If a part time resident lives in a gated community, your insurance rates may be lower. Check with your insurance agent for accurate rates.
Tips for Homeowners Insurance in south Florida:http://www.findsouthwestfloridahomes.com/homeowners-insurance.php
a new listing in Cape Coral in a gated community. http://www.trulia.com/property/1039546690-2128-Cape-Heather-Cir-Cape-Coral-FL-33991
Article on Gated communitieshttp://www.findsouthwestfloridahomes.com/gated-communities.php