Home Insurance in North Port>Question Details

Jodi, Home Buyer in Port Charlotte, FL

what is the adverage price for hurrican insurance for a $200,000. home

Asked by Jodi, Port Charlotte, FL Wed May 23, 2012

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Answers

3
Hi Jodi,

There are so many variables, that an insurance agent needs to get a lot more detail on the property before you can expect an answer that is close.

The age of the home, location, construction type all play a part.
A hip roof is cheaper to insure than a gable roof.
Newer homes built to higher construction code cost less to insure.
Block construction as opposed to wood frame.
An older home may have had improvements made that would reduce the costs.
Even your credit score will affect the insurance prices.

You can call an insurance agent and give them the property ID number. They then pull the tax records and county data to determine original construction and improvements. Depending on the age of the home, a wind mitigation and/or a four point inspection will be needed.

All the Best,

Jim Sweat, ABR, CRS, GRI, CDPE, e-PRO, ILHM
Realtor
Sandals Realty http://www.ExplainShortSales.com
941-306-7384
Team@JimSweat.com
0 votes Thank Flag Link Thu May 24, 2012
There is no average price for wind. There are to many factors to take into consideration, age of home, location, wind mtigtion credits, etc. I would be happy to do a quote for you. All Ineed is the address of the property.

Give me a call and I will happily help you

Chris Lyon
We Insure Florida
Venice Fl
941-412-1511
0 votes Thank Flag Link Thu May 24, 2012
It depends on the zone the home is in, the age of the home, the features of the home, if the home qualifies for discounts. There is no average insurance price. You can go to http://www.floodsmart.gov. Type in the address of the home. It will tell you if the home is in a flood zone. It will also give you a range of insurance rates and some homeowner insurance companies to call.

Tammy Hayes, Realtor
Green Lion Realty, Port Charlotte, FL
tammyhayesre@gmail.com
0 votes Thank Flag Link Thu May 24, 2012
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