Yes get a wind mitigation inspection it will lower your homeowners insurance, call a local guy 239 940 2800 it must be done by a licensed state approved inspector, Call Joe the inspector

Lan,

I have a home built in 2007 (2200 sq ft under air) in zip 34135. My home owners is $800 and flood is $299 so it is very close. Give me a call so I can give you the info to my insurance guy.

Thanks,

Scott Riddle, PA
(CSP) Certified Short Sale Professional
Sand Castle Realty Group
239-289-1849
239-390-0027 fax http://www.NaplesRealEstatePros.com http://www.NaplesRealtorPros.com

Hi Lan,
I used Oswald Trippe and Co to shop the best rates for me. I have similar scenario. Initially was paying around $1800 per year and then I got a wind mitigation inspection and they sent me a check for over $600 back and now I have pretty close to what you are wanting but I am not in Bonita. Some areas of 34135 do not require flood ins. and you should be okay. Give Steve Ridenour a call at 239-433-7181 or email him at sridenour@otc1.com. Hope he can help.

Sarah Garrett, Realtor
ALLIANCE REALTY GROUP
"Chosen Best in Client Satisfaction 2006-2009"
By Gulfshore Life Magazine
sarahgarrett@argfl.com
239-464-8620

Lan,

Most likely not. You have to take into account wind insurance and flood insurance. If you have a mortgage, your lender will require all of those things. If you're paying cash............well, that's your choice to insure or not. I would never recommend not fully insuring your home (whether it's paid for or not). Shop around as much as possible and ask what things you can do to bring your premium down. There are some really great tips an insurance agent can give you in order to help with that.