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WHY are Zillow's TAX & INSURANCE Estimates SO WRONG???

I regularly track 2 CA properties.  Zillow's Monthly Estimates of both RE Taxes and Insurance are grossly wrong!  Why?
RE TAXES:  Zillow's monthly estimates DO NOT REFLECT either CURRENT RE Taxes, NOR the 1% of Valuation (per CA's Prop 13) a buyer would pay!!!!!
"Homeowners' Insurance"  Zillow estimates $78/mo for BOTH a $1.5mm AND a $7.7MM home!  That's IMPOSSIBLE!  Plus "Homeowners" is incorrect and useless.  To wit:  THREE insurance policies protect our home:::  Fire & Casualty (protects the bldg, most expensive!); Homeowners (protects belongings, clothes, furniture...); and Excess Liability.  Again, it's IMPOSSIBLE $1.6mm & $7.7mm properties pay the SAME insurance!!!  
Zillow's sloppy errors & ignorance is doing many a disservice.  You corrected the RE Tax issue once, then slid back.
Why so sloppy, WRONG?

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May 16 2013 - San Francisco
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