Hello again from the Southest to the Northwest. As the comments you received already stated, a lot depends on the age, roof type and location of the home. My preferred Homeowner Insurance company is Cape Coral Insurance Center; Paul McDaniel at 239-770-8884. Please let him know I referred you and he will take care of YOU!
For additional questions or information please feel free to contact me directly at 239-218-7737 or Ray@TeamSantini.com
Re/Max Realty Team
I suggest to get quotes from several insurance agencies, with the same coverage (apples to apples comparison), and choose the best.
There is nothing average about homes though. Some have roofs that will pass 4 point and wind mitigation inspections - no problem, and others won't. There could be no-flood insurance areas,
and those where you'd want to do an elevation certification to reduce your premium payment.
Hope this helps,
Beachfront Realty, Inc.
I pulled a quote for a different property (located about 10 mins further north) that was built in 2007 and even without having a hip roof my insurance is just under $1200.00
Your Realtor should be able to let you know what homes/locations are more likely to have higher insurance costs, and if you don't have a Realtor currently representing you I would be happy to apply for the job of aiding you in achieving your real estate goals.
If you would like, I would be happy to provide you with a flood zone map that may also help with making your decision regardless of who you choose to serve you.
Happy house hunting!
La Rosa Realty
I wish I had an easy ball park figure for you but I'm going to defer this question to Emma Moncada at FEDUSA Insurance. Their phone number is 239-573-2463. When I spoke with the insurance company they stated it was impossible to quote without knowing the size of the home, age of the home and replacement value of the home. Most homes are selling for 30% less than it would cost to replace them. A home sellng for $225k might require being insured for $300k if you have a mortgage. If I can answer any other questions, just let me know. Lee Reeves - RE/MAX Realty Team.
Gulf Gateway Realty, Inc
Contact a few insurance companies to get some ideas on pricing - year of the home, rebuild cost, age of roof, lot elevation and flood zone will all determine what your annual premium costs. A home built before 2002 will most likely need a wind mitigation inspection for you to be eligible for wind credits on your policy.