Sounds a little high. I have $200,000 on my CYV, concrete, hip roof with sink hole, etc. $500 deduct and I pay $475 through USAA company that does teir FL insurance. Can't remember name, but know they are in St Pete.
Army Guy
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Scouts Out!!!! 
NJ, PA, NC, AL, Germany, etc, etc and finally The Village of Bonita.
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