We bought a 2005 built home (1600 SF) late last year in Sumter County. The roof was replaced due to storm damage a year later with an architectural roof shingle. State Farm gave us the option of paying for a 4 point inspection which resulted in an estimate that the roof was still good for another 5-10 years so they did not require replacement. Another point I was told by our agent is that homes built after 2004 also have a better rating for storm resistance. I guess Florida building codes changed around 2004. Our homeowners policy was $2277 for the year and we also have discounts for cars and golf cart. I imagine I will hear from State Farm in a few years to inspect the roof or replace if the inspection fails.
Shop around for insurance. Don't just go with whoever you are familiar with. Villages Insurance said their lowest offer through some company I never heard of was around $2600. I believe at the time they also checked State Farm for us. When I went directly to State Farm things got cheaper for some odd reason. We also previously had history with them out of state. I've read others haven't had good experience with State Farm so do your homework.
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