Quote:
Originally Posted by Blueblaze
So you only paid twice the Villages rate to accept 10 times the risk. That's exactly what I'm talking about.
I live in a concrete house with metal studs, 110 mph wind-storm-rated windows, and a 110mph-rated roof, 80 miles from the coast, and far from any flood plain. Why should my rate be any higher than the frame house in tornado-alley Tulsa where I raised my kids? I once literally had half my roof removed by a tornado, but I never paid over $800 to insure that house. My current house is built like a fortress but costs more than twice as much to insure, just because hurricanes threaten places WHERE I DON'T LIVE, in the same state .
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If I were you and did not have a mortgage, I would go without wind coverage. Per your description chances of getting damages by a windstorm are very low. However there was a tornadic out break out about 10 years ago that caused heavy damages near Mallory Hills County Club.