[DAVES]

Originally Posted by RobertScott

$1400 - 1600 sq ft - Progressive
I had insurance up north for 30 years and never filed a claim although I could have, it is just super disaster insurance to me, otherwise I will not use it, they dig that I think.

Not too many lots here require flood insurance, which I did have up north, but do not have or need here.

Far as Progressive some strange things going on. I would check what I am saying. Progressive decided they have too much exposure in this area and so refused to renew a large percentage of policies. We lost the lottery and they refused to renew our policy. We had been with them for like 11 years no claims. I understand Desantis has now forced them to write policies. In terms of the lottery. We were forced to take a policy-same cost as we were paying Progressive.
The new company inspected our roof and it was fine. Most recent hurricane blew over 100 pounds of shingles off our home. Most homes are single story-so we have big roofs. New company, it is a numbers game, new company got stuck paying for a new roof less 7-8,000
deductible. An ADVENTURE. Everyone did as per agreement-insurance contract.

HUM-Two days if 6-8 guys hammering on your roof. Perhaps, better called a headache than an adventure.

[FFlank]

We are closing on a home near Eastport in about a week. USAA gave us a policy on our 1500 sq ft home of a little over $1,300. It is, of course, true that everyone's situation might be a little different, but our place is brand new so that should give you something to compare your situation to...

[starflyte1]

Just received my bill for a 1094 sq ft block courtyard villa. $4127.77!!! No claims. AAA. And yes, that premium in for homeowners only.

Needless to say I am looking for new insurance.

[birdawg]

Originally Posted by starflyte1

Just received my bill for a 1094 sq ft block courtyard villa. $4127.77!!! No claims. AAA. And yes, that premium in for homeowners only.

Needless to say I am looking for new insurance.

Progressive went from 1500$ to 2200$. Found a company called Kin insurance A rating. 1500$

[Jim1mack]

1943 sf home, 2 car garage and golf cart garage. 19 foot pool with rather large bird cage. 11 yo old home, original roof. Progressive dropped me last as well as many others. Was paying the $2680. $1000 deductible.

Found Tower Hill. Same coverage. $2363.

[Pairadocs]

Originally Posted by Decadeofdave

To answer your question, less than your Louisiana situation, generically speaking.

For us, we've not been able to find anything even near what you presently pay ($560), hard to believe that's for an entire year. I don't know anyone here who takes flood insurance (additional $1000.00 or so you posted), but doubt you can find a company with an annual premium of $560.

We pay near $1600.00 per year for single story of 2,284 sq. ft. Roof is less than 1 year old, if that gives you an idea. Be sure to study sink hole coverage thoroughly BEFORE you make any decisions once you get here. Everyone will give you advice, but YOU have to decide on if and what category of sink hole coverage you might want. Make sure you truly understand EXACTLY what terms like "catastrophic" mean, vrs. other categories of coverage.

There will be many opinions on here, but we've found no matter what, new roof at our own expense no claims filed, we've had to change companies every few years here due to premium "creep". Just changed again to get it to just under $1600. because company we had for last 4-5 years gradually increased annual premium to $2087.00 ! So, change time again !

When buying here, a good tip is to find some way (it's very difficult, agents generally don't pursue this for clients BEFORE purchase) to check to see if ANYTHING is out of compliance with the deed restrictions and architectural review rules. So many people are caught off guard when they close and THEN find they have to incur significant expense to remove landscaping that does not conform, or find an encroachment that has existed for 10, 15, or more years must be removed (more sq. ft. of rock used for instance, than allowed).

[Pairadocs]

Originally Posted by Papa_lecki

My designer home premium is about 1/3 of your premium, insured with USAA.

You pay 1/3 of the price ANNUALLY (?) for a designer home here, meaning 1/3 of the $560 the poster specified ? Or, 1/3 of the $560 PLUS the flood insurance (about $1000.00) ? Even at that, at 1/3 that would make it a $520 per year on a designer ? What company may I ask ? Did you use a broker to find that kind of rate ? Sounds good. Does that also have sink hole coverage, or did you not add that in ?

[Pairadocs]

Originally Posted by asianthree

2 yo house 2/14 Home 2900sf, garage 780sf, lanai 480sf, plus pool and cage. All exterior and interior walls are 10’ with 8’ doors

Premium $1075 with $1000. Deductible, renewing 2/14.

To me that is a fantastic rate, especially with a pool also. What company ? Have to get a price from them, much better than what we have now (close to $1500 per year, no pool).

[Pairadocs]

Originally Posted by kkingston57

Consider yourself lucky. That was our price 4 years ago and our house is <2K square feet. Now $2400

Yes, agree. just over 2200, no pool, no claims ever (here or anywhere else we've lived), approx. realistic value $350-$370K, have never found some of the $500 plus annual premiums some on here have found. Ours was approaching our present $2400 annual rate, so we changed companies... AGAIN !

[Tyrone Shoelaces]

Premier home 2800+
Travelers ~$1800 yr
new roof

[ElDiabloJoe]

Those insurance costs and roof replacements are out of this world. We "self-insure." Should something catastrophic happen, we are writing a huge loss off, but we will take the loss. Otherwise relatively minor things that are not catastrophic we will absorb as they arise.

[Garywt]

Our insurance for a Villa just increased $700 to $2500. Most of the $700 was a $550 line item for hurricane insurance.

[Babubhat]

Shop. There are 8 new companies writing Florida policies

https://www.oyerinsurance.com/new-ho...es-in-florida/

[Papa_lecki]

Originally Posted by Pairadocs

You pay 1/3 of the price ANNUALLY (?) for a designer home here, meaning 1/3 of the $560 the poster specified ? Or, 1/3 of the $560 PLUS the flood insurance (about $1000.00) ? Even at that, at 1/3 that would make it a $520 per year on a designer ? What company may I ask ? Did you use a broker to find that kind of rate ? Sounds good. Does that also have sink hole coverage, or did you not add that in ?

I was answering relative to the original poster’s premium of $5600.

[graciegirl]

I just heard someone speaking on the news about how the enormous fire disaster in California will impact insurance rates for everyone in the country eventually. It is a game of numbers and when there is this overwhelming load on insurance companies, they borrow money from their underwriters and those fees are assuredly going up and will trickle down to all of us.