Please be careful which company you are insure with. The main purpose of insurance is to insure something you could not afford. If you are getting a low price, it does not mean it is good. Ask around to see if any friends, relatives and realtor could recommend you to a reliable and be able to pay if there is a claim, between 1100-1400 per year is reasonable, but again, choice a good insurance company is very important.
Thank you for asking the question.
Lic. real estate associate broker
Coldwell Banker Distinctive Homes