My home insurance has gone from $1800 annual to $4000 over the past few years. California. 1800,2200,3000 and now another 25% to 4000. California home insurance statewide is a mess.
IMHO, Bonds are dead as far as investments go. Looking at data on the popular bond funds, pretty much no return on investment the past decade. I think dividend funds are a better replacement for traditional bonds, like VYM or SCHD. a decent dividend return plus upside.