Insurance costs are based on the individual house and your specific personal details. If you give your agent (or any agent) the address of the property, they will be able to give you a pretty accurate quote. I would start with that to make sure that you are basing your estimates correctly.
Good morning Kelly! Those amounts can vary significantly. Do you have a specific address or property subsection that you are considering? I'm happy to follow up further for you if you would email me at Haynes.LandSouth@gmail.com. Thanks! Haynes Johnson