For two years, everyone's been watching interest rates. But there's a quieter number shaping home deals right now and many people aren't talking about it.

In this episode, Mikey breaks down how home insurance went from a simple line item to a major factor in what can impact what you can actually afford. You'll learn why California got so expensive (it's not just the fires), how a 1988 law helped set this in motion, and the moves to consider that may help protect you before you remove a contingency.

What we cover:

• Why insurance can be as high as ~9% of a typical housing payment — a record high

• The 1988 law that may have reshaped the market

• Why your roof's age matters

• What happened when 7 of 12 big insurers pulled back

• The 3 moves to consider before you fall in love with a house

If you're buying in California or anywhere premiums are climbing, this one's worth your time.