Originally Posted by Margefrog (Post 2350230)

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

Originally Posted by Switter (Post 2350202)

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.

Originally Posted by Packer Fan (Post 2350241)

And they can withstand 130 MPH winds? Building standards are appropriate for each area. Building technology has advanced a lot and has gotten better across the board.

Originally Posted by Inspector Mark (Post 2350049)

I just bought a CYV near Spanish Springs this past January. Our Home Owners Insurance is just under $2000.00 a year, 20 years old, 1300 sf. Much higher than our condo in Michigan. We had to scramble to get insurance for the closing. I have many months to shop around for a renewal policy. Any advice would be helpful.

Originally Posted by Rocksnap (Post 2350104)

Much factors into an insurance premium. I’m wondering if the older homes are built to a different/older construction standard. I.E.- not as robust to withstand a storms high winds.
We are closing on a new construction block house October in East Port/Shady Brook. I just tried getting a quote, but the automated system would only allow the start date 2 months out, I’m 3 months out. I’ll post back when the time comes on our insurance price.

Originally Posted by Shipping up to Boston (Post 2350006)

Same level? You do realize you’re comparing coastal counties with central inland ones? Where is the same risk factors you speak of?