[villages8house]

Reply to Dutchman - Re: Homeowners Insurance

I can only use my own homeowners coverage as a sample for you.

I've had State Farm Insurance for many, many years now - both for my home and my car.

Keep in mind, my patio villa is small - only about 1,000 sq. ft. of a/c-heated space (wood frame, shingle roof, vinyl siding), but with a 1.5 garage and covered lanai. I've just paid my next year's (2008) bill for $647.82 for the following coverages:

Coverages and Limits:
Dwelling $112,700 Replacement cost - similar construction
Dwelling Extension Up to $11,270
Personal Property $84,525
Loss of Use - Actual loss sustained
Loss Assessment $1,000

Deductibles:
Other losses $1,000
Hurricane 2% $2,254

Personal Liability $300,000
Damage to Others Property $500
Medical Payments to Others $5,000/per person
Fungus (including Mold) Limited Coverage $15,000
Sinkhole Coverage

TOTAL PREMIUM CHARGES FOR ONE YEAR -
Non-Hurricane Premium = $446.03
Hurricane Premium = 164.97
FHCF Assessment = 6.11
FL Guaranty Fund 6.48
Citizen 05 Reg Asmt 7.33
FL Guaranty Fund EM 6.35
Adl Surcharge 10.55
TOTAL - $647.82

This might not be a good example for you since I have a lot of discounts that reduced my yearly premium down to the $647.82 amount.

DISCOUNTS - Included
Utility Rating Credit $103
Home Alert Discount 10
Building Code Discount 11
Home/Auto Discount 12
Claim Free Discount 155
Wind Resist Const Cr 123

This can at least give you some idea on coverage vs cost.

Good luck in your home search.

Villages8house