Consider this: I paid $180 this year to insure my 4 bedroom, 2,300 square foot home.
This is dirt cheap. Why so cheap? Because I belong to the Mutual Assurance Society of Virginia, whose colorful brochures include a map of Monticello, the estate owned by Jefferson, and the home of Oliver Wendell Holmes.
The 1st year's insurance is actually a little higher than what you'd normally pay. If I recall correctly, my 1st year's insurance cost around $500.
Since then, however, I've never paid more than $250. This year was the lowest rate ever at $180.
So, again... why so cheap?
Because like Vanguard, Mutual Assurance is a true mutual company: it's owned by its policyowners, and thus have incentive to charge fairly and keep rates down.
So, Virginia residents: Save yourself a fat wad of cash. Contact Mutual Assurance and see what they can do for you.