[villages07]

you can do some searches on prior insurance threads to get a breadth of opinions.

Sinkhole insurance is necessary, IMHO; sinkholes do happen in The Villages and repairs can be very costly. Do compare different policies...some had a 10% deductible (i.e. on a $250K house you would pay the first 25K of repairs out of pocket before the insurance would kick in). Other carriers have a flat rate deductible. Sinkhole coverage is 100-150/yr

Flood insurance... I personally didn't see the need for it; cost is approx $300/yr; others do take it.

Tornado damage is covered under normal perils...unless as a spinoff from a hurricane then covered by hurricane coverage. Watch the deductibles on hurricane too...some are %, some carriers are flat rate.

One thing to be aware of....if there is an active tropical storm warning/watch anywhere in FL, most companies will not write any new policies until the watch/warning expires. IDA is out there now but should be gone by Wed.

All in all, the insurance is reasonably affordable down here...given the hurricane history of FL, tornados, lightning, fire danger in winter, etc.