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Questions for understanding the home owner's insurance cost

I'm new to US and I'm planning to purchase a home near Cambrian, San Jose, CA. I saw the monthly payment breakdown in redfin for couple of single family homes in the area. The typical of payments per month breakdown for a 1.7M homes look like ~9k$ mortgage, ~1.5k$ tax and ~500$ home owner's insurance.I'm really surprised that a home owner's insurance cost is as high as 5,500$ PER YEAR!

  1. Is it normal to the area?
  2. Or is this high across the Cambrian / San Jose / Bay area or is it specific to this house?
  3. How much people are paying here?
  4. What are the factors that determines the insurance premium?
  5. Is there any room for negotiation here?
submitted by /u/vpshastry
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source https://www.reddit.com/r/RealEstate/comments/199mcia/questions_for_understanding_the_home_owners/
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