As soon as an item is placed into service, the lifespan of the item has started.For example if a water heater replacement is $1200 in your market and lifespan is expected to be 10 years, the water heater has maintenance/cap ex o $10/month.    2 water Heaters means $20/month.  

The air conditioning unit was on and working, I think the hot water heater was replaced in 2023.

The cost of public water and public sewer bills have increased drastically.

(normally recommended, especially if you are a landlord)- Water Backup: For water damage due to the backup of Sewers or Drains.- Personal Articles: Coverage for belongings that have a special or collectors valuesuch as Jewelry, Furs, Fine Arts, Collectibles, etc...Your age should not be a factor on the pricing but, depending on the company these other factors may get you credits:- Insurance Score (company pulls certain info out of your credit report).

.- Main water line and entire meter popped off the main supply line and had an unimpeded 1" water line dumping into the basement on mother's day, was about $1400 to fix, and basically an afternoon of waiting around for city and fire dept to turn on/off water at curb. 

With LVP any water that makes it through the concrete will be trapped and create a squishy noise.

Using an average utility expense is futile because you don't know the age of the furnace, HVAC, hot water heater.

Upon move-out, there was substantial water damage to the flooring where their refrigerator was.

We have 4 large tanks that fill to add a buffer to water needs.

You also have to be very cautious with the water service, electrical service, etc.