Expert contact an insurance agent in that area discuss those particulars anything stated would be consider hear say. What a wonderful area !

National Featured Realtor and Consultant, Mortgage Loan Officer, Credit Repair Lecturer
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Lynn911

Hi Darcie,

Consider previewing the following website......you will be able to access insurance rates for your target location.

Good luck
The Eckler Team

You are smart to do your homework upfront on the cost of insuring a potential purchase.

Here is a web resource provided by the Florida Office of Insurance Regulation which provides estimates by county for homeowners insurance: http://www.shopandcomparerates.com/HOCompareSelect.htm

The National Flood Insurance Program website has information about flood insurance costs including an agent locator: http://www.floodsmart.gov/floodsmart/

Good luck with your search!

Hi Darcie, Your timing is perfect ! As you know this is a classic buyers' market with plenty of excellent inventory, historically low financing and sellers who appreciate a well qualified buyer !
Getting insurance coverage is not difficult. Let me try to be as specific as possible on the cost. Insurance coverage includes wind damage, home owners coverage and flood coverage. The exact rate will depend on factors including square footage, elevated ( stilts ), type of roof ( metal is best ), frame vs block construction, used as rental or for your use only, etc. Lets assume you buy a frame home, approx 1200 s.f., raised on stilts: The approximate cost would be $3200 - 3500 annually. Also, you might qualify for a reduction based on having a " wind mitigation " survey. The survey determines which cost reductions are available to you based on an inspection of your property by a certified mitigation inspector.
I hope you found the above helpful. Please don't hesitate to call me direct with further questions !
Here's hoping we become neighbors soon !
Bill Gillhespy
Century 21 Tripower http://www.BillSellsFortMyersBeach.com
239 699-7128

Darcie:Welcome to Fort Myers Beach! Its not difficult to get Flood insurance but it would be through a goverment insurance sponsored insurance like my own home in Fort Myers Beach. Flood insurance cost can vary from $1000 to $2000 depending on age, structure, if on pillings/stilts or not, and location itself on the island. You can check my own site with listingbook and once you have a few in mind then I can give you a more precise annual cost for flood insurance.
You will have then your own pass to all single homes available in Estero Island/Fort Myers Beach and you may also want to check my site on activerain which has numerous blogs about Fort Myers Beach.
. http://lloydnswfloridahomes.listingbook.com/
It is still a great time to purchase in Fort Myers Beach.

Lloyd

LLoyd Nichols
Right Choice Realty LLC
cell: 239-810-2980
office: 239-463-5217
Activerain Local Blog: http://localism.com/neighbor/lloydn
Active Rain Blog: http://activerain.com/lloydn
Website: http://www.mlsouthwestfloridahomes.com
Search the MLS in Southwest Florida
Listingbook: http://lloydnswfloridahomes.listingbook.com/