Type and size of houses you are looking at was not specified in original post so it is difficult to say if realtor's estimate is accurate. If you are looking at designer size houses around 2000 sq ft it might be a little low. I just recently shopped my homeowner's insurance and the best I could get was about $2,100. That required bundling with auto and golf cart to get discounts. Our home is 12 years old with original roof in good condition. Insurance company required an inspection before they would insure us.
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