live 3 miles from the beach and never go there. am moving to TV for the activities and lifestyle. I will be saving $1100 a year on property insurance. I pay over $1600 a year with all possible discounts. Always have the threat of Citizens raising rates or forcing me to underfunded start up insurer hanging over my head. I look forward to taking vacations to the beach where I can stay in a beach front resort when I want to be on the beach the same way I take ski vacations when I want to see snow. But day to day living, I want the least drama as possible.
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