I wouldn’t call it “…..
storms have passed It would be good to know how the insurers have re-calibrated for homes in the Villages.” They don’t recalibrate that quickly. What Florida needs is another 11-year hurricane drought that we had back around the turn of the century. (Hermine October 2005 broke Florida's record of a hurricane drought that lasted 3,966 days.) In 2024, three hurricanes made landfall in Florida: Debby, Helene, and Milton. By far Milton was the worst with $34.6 billion damage. Helene ($14 billion) and Debby ($66.7 million). That’s not nothing.
Back to homeowners ins cost. I would say yours is a good deal. I just got a renewal letter for $1621. Up from $1571. SF is about 1800, my dwelling coverage is about $365,000, neither flood nor sinkhole insurance. I’m going to add flood insurance when I get around to it. It’s Spinnaker Insurance Company. I have several weeks to pay the premium. This is not a major ins company. Some only will go with major companies.
It’s easy to get a quote:
Go to this website and click “Request a Quote” enter your address and answer a few other questions. You’ll get a quote very quickly. (They will call you.)
Guardian Insurance Group Inc. - Florida Insurance Agency