[Shipping up to Boston]

Originally Posted by Margefrog

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

Finally...after 30 posts, somebody else picked up on that!

[Packer Fan]

Originally Posted by Switter

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.

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.

[Switter]

Originally Posted by Packer Fan

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.

I just meant they are more rigid when it comes to energy efficiency. Should've clarified that.

[Janie123]

Originally Posted by Inspector Mark

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.

I pay $1500 for a $400k dwelling (3 BR designer home) thru Cabrillo Coastal.

INS SERVICES OF CENTRAL FLORIDA INC
Phone: (941) 722-6086

Ask for Sarah

[dlebuis]

We changed to Tower Hill last year. Just got renewal and it went up $800. No claims and roof was replaced at our own expense in 2021. Feeling frustrated.

[bshuler]

Which is more to insure? Stick built (vinyl siding) or Concrete (stucco)?

Real examples would be great.

[Lottoguy]

Would like to add that Marion County has higher building code standards then Sumter and Lake Counties for installing a new roof.

[Papa_lecki]

8 insurance companies are reducing rates in 2024

8 insurance companies are reducing rates in 2024

[GoRedSox!]

I just got our renewal from Florida Family Insurance. It went from $1,280 to $1,610 for a 1,938 square foot courtyard villa right outside Brownwood.

I am just going to pay it, it seems most premiums are still going up.

[Gatorfan1]

Originally Posted by Rocksnap

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.

You can get a tentative quote. Call 352-245-2423. Abshier Insurance Agency

[CoachKandSportsguy]

Originally Posted by Shipping up to Boston

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

The average over a very large area is just an average, regardless of coastal or otherwise.
Could be the same risk pool, but the average size of the house, the age of the house, the size of the deductible etc, may be different on average, and probably is not normalized for size, condition, cost, and coverage. . .

not worth the time to do anything with the number but find a better investment to make money to cover whatever expenses are going higher which you have to buy. .