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My wife and I recently decided to buy our first home together. For the past two years, we’ve been living in a two-bedroom townhouse in Houston’s Montrose neighborhood that I purchased in 2021, when I was still single. It was the perfect bachelor pad, but less than ideal for a couple with two young dogs. After a few weeks of house-hunting, we fell in love with a Craftsman-style bungalow on a quiet street in the Heights, northwest of downtown, with a large kitchen, an old-fashioned front porch, and a fenced-in yard where our dogs could play. We knew we’d have a high mortgage rate and pay high property taxes. What we didn’t anticipate, when the sellers accepted our bid, was a home insurance market that…

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