I would strongly advise getting yourself a certified Buyers Agent who understands what and how any particular house's final price will effect you when it comes to insurance, etc...do not take any seller's / listing agents word for anything...they are trying to sell the house, not get you to understand what it will really take to aquire and hold a house long/short term.
This seems to be a serious problem Uptown for some reason as insurance implications get harder for the average person to understand and some agents continue to befuddle potential buyers...so very much...buyer beware!
Its hard to get an accurate quote. They can give you a rough idea, but for the most part, they usually look at the property claim history, flood history, etc. But they can surely give you tough ideas.
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