FWIW, AVERAGE PREMIUMS FOR RENTERS AND HOMEOWNERS INSURANCE, BY STATE, 2003:

http://www.iii.org/media/facts/statsbyissue/homeowners/

Lovely! I see I live in the 1st ranked state
for highest renters and homeowners insurance.
(Texas). Looks like in most instances it is
double the majority of other states. To make
matters worse, we average $.16 kwh for electricity!