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Originally Posted by dewilson58
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Fake analysis
The website you linked tells you the methodology they are using, in part. They use a home insured value of 275,000 in every county. That makes their job easy and their data meaningless. They do not tell the reader if they adjusted for the number of homes in each county. Example: If the average cost in Miami is 5400/year and the average in Manatee is 1500/yr that does NOT mean the average cost for those two counties is 3450 because Miami has 1 million homes and Manatee has 200,000
This website did not apparently adjust for number of homes in doing its statewide numbers. Obviously this produces a large error in the presentation as the largest cities with the most homes have the highest insurance costs.
Also, using the same insured value is potentially a seriously misleading choice. The average cost for the same quality of home differs widely between cities. 275K goes much further in Sumterville than it does in The Villages.
That website does not answer the question of what does the average Floridian pay in home insurance. I spent a few minutes trying to find the technology used by the Insurance Information Institute when it said the average Florida homeowner paid "the highest average
property insurance premium in the U.S. at $4,231, nearly three times the U.S. average of $1,544" and could not find it easily.