I just got my taxable value on my house. It went down $20k from last year. I understand the taxable and market value are different, but both flow together. The value goes down, less needed in the escrow account. I've watched my value increase about 18% a year for the last 3 years, and homeowners has gone up also. So value goes down this year on a $450k home, but premiums go up???
I re-financed right after the fanny mae debacle and got 2.99%. I think most insurance companies are all subsidiaries of the BIG mother company.