We've been with HH Insurance in St Pete for going on 3 years, recommended by another villager. They deal with over 40 "A" rated companies and shop for the best deal each year. Good customer service. Did everything over the phone and email. The gave us detailed quotes. Kind of a good, better, best.

I shopped them this year but they were still the best deal. At least worth a call.

We priced car insurance there since we're going to be Florida residents soon, and we'll be getting that from them too.

The house you have is 20 years old that's why you had a hard time. Unfortunately many insurance companies will not write homes that old even with a new roof and water heater and ac, etc. etc.

$2000 is about right, depending on your deductible and coverages.

When you insured your condo in Michigan, you weren’t insuring against the greatest areas of risk of loss – the roof and exterior. Now you are. Your condo association paid for those coverages out of your association dues.

Way less for us too in DeLuna in a new home. We have largest veranda model (Mason) and pay just slightly more than $1000 annually. We bundle with auto.

According to The NY Times study, the typical U.S. household paid $2,530 in home insurance premiums last year, which was 33 percent more than in 2020.

So Sumter County insurance premiums are considerably below the typical household.

I was talking to a friend who lives in southern Florida. Told me that his friend who lives near the water is paying more than $50,000 in home insurance!

That seems excessive!

I’m currently with Tower Hill - signed up with them when I purchased in December 2022, and renewed with them in December 2023. Found them through Villages Insurance Agent.

I just ditched AAA insurance. My two year old home and one suv bundle went up 40% to over $3,100….the SUV went up the most even though we have never had an accident or ticket. I could have saved $500 by going with KIN and Progressive. However, I decided to go with State Farm since they offer the better H05 Home policy with hurricane and sinkhole coverage at a premium less than AAA’s H03 policy. I may be shopping around every year the with the rate increases insurance is doing down here.

I wonder if other states have the same problem with insurance companies bailing on us and leaving the state.

In Minnesota I was paying about $1600-$1700 annually for homeowners insurance. Down here I'm paying about $1900 in Marion county. I was pleasantly surprised by this.

What surprised me in a negative way is that my property taxes are about the same here as they were in Minnesota. Considering that my home in Minnesota was worth about $125,000 more than my house here, that is pretty high. I wasn't expecting that.

Yes. It ain’t just Florida.

Insurers are pulling back from states that are prone to hurricanes, wildfires, and floods, such as California, Florida, Louisiana, North Carolina, Oregon, Colorado, and Arizona.

In 2023, insurers lost money on homeowners coverage in 18 states.

How much are you saving in energy here as compared to Minnesota?

The monthly cost here is a little less. I averaged about $150 a month over a year in Minnesota between gas and electricity. I am probably about $130 a month here. However, my home in Minnesota was 2200 square feet, here it is 1400 square feet. If the homes were of equivalent size I would say it would be a tad more expensive down here.

The major difference is in Minnesota, the majority of the cost was heating, where down here it's cooling.

I think the building standards up there are a little more rigid too. The exterior walls are all 2 x 6 construction and insulated better than homes down here.

Glad that you have now amended your OP. As written if gave the impression that a rural Sumter was a comp to coastal Miami Dade and Browsed. In risk and premium.

*Broward

Two factors help explain why the average cost for Sumter is lower than Lake and Marion. First, the vast majority of the homes are in the Villages Public Safety Department Dependent District and have a higher fire protection rating due to the Villages Fire Department. The second factor is that the average age of the homes is lower in Sumter, which means a higher percentage of homes are built to hurricane-resistant building codes.

Because this geographic area is nowhere near the risk of the others.