FWIW - Won't be apples to apples, but here's what I've found nonetheless:
I'm getting quotes as we speak on a resale (built in '07) patio villa that we're in the midst of purchasing. Replacement cost $140k. Living in it 5 months/yr, no renters, no pets.
via Sumter Marion (actually, a part of The Villages Insurance) - underwritten by American Integrity Insurance, including hurricane and sinkhole coverage. Quoted 3 ways:
- 5% ded for hurricane, $2,500 ded for all other perils........$464/yr.
- $2,800 ded for hurricane, $1k ded for all other perils........$493/yr.
- $500 ded for hurricane, $500 ded for all other perils........$572/yr.
All the above include what they call the "Gold Package": water back-up coverage, replacement cost on contents, identity fraud coverage up to $15k, increased coverage for jewelry (up to $5k total and $1k/item), $500 for food spoilage due to power outage from a covered peril, plus some other extras.
via AAA - underwritten by Florida Family Insurance, including hurricane and sinkhole coverage.
- 2% hurricane deductible, $500 ded all other perils.............$670/yr.
I'd like to get a quote for a policy via ASI. But apparently they aren't writing any more new policies at present (at least for the area where this house is - Duval). They limit their exposure by not writing more policies in an area where they've already issued a predefined number of policies. So sorry about our luck at present with them!!
Hope that helps!
Bill