$2000/month is at least an order of magnitude too high. That’s probably $2000/year.
Insured value is not the same as purchase value. For a smaller house in a desirable area, it could be significantly less. Conversely, in a place like Hemet or Perris you may need to carry insurance for more than what you pay for the house. Estimate insured value as $175/sq.ft. of total area.
Premium can vary significantly depending on earthquake risk. All else equal, you might pay $20/month for a nice big house in Poway or San Diego, $90/month for an identical house in Temecula, or $150/month for an identical house in San Bernardino.
