<prompt> Human: I have gotten quotes for renters insurance from five insurance companies, and they are all at least 20month, while the average premium is 12month. This is with 15k of personal coverage, no pets, and 5 units in my apartment.Im just curious if this is normal and what are the main factors that affect your premiums. Its surprising how I have to pay double the price for RI compared to the average person.  <response>: A lot of it is driven by location and loss history in the area. 