Sinkhole insurance is important in The Villages. You do not have to have your house swallowed up in a giant sinkhole to have a lot of damage. Cracks in the walls are often caused by sinkholes. $1000 deductible is awful high for that, though.
Hurricane insurance deductible is common at 2% of the value of the house. I would suggest getting a reasonable hurricane deductible of $500.
I got my homeowner's through GEICO and have it bundled with my car insurance. Pretty reasonable rates.
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