3-bed 1920s semi on quiet street in low-crime small town (Midlands/North of England), value ca. £230k. Smallish garden, smallish shed, driveway for cars.
Honestly can't remember the excesses we have but I think they're very average. No particularly high value equipment or anything similar.
We've never claimed and aren't on a flood plain or near any massive trees or similar. Does £200 p/a for our premium sound about right?