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I pay .25% of the coverage amount. It seems to be inline with the rates of my family and friends with homes of various values. One thing you need to remember about coverage is that chances are slim you will ever lose the value of the land so it's more the structure and belongings that you're covering. Fire burns your home to the ground you can always rebuild on the lot.
That would put it at about $1500 annually for a $600k house but as you said there are a ton of variables (past homeowner's claims, flood insurance, region, etc, etc, etc)
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