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
Sandals Realty http://www.ExplainShortSales.com
Thnaks. I hear prices may be increasing. How do you undersatnd it?
We will be purchasing a new/newer home when the time arrives. I would have to believe they are better prepared for FL weather conditions. And, I know we cannot even get close to insurance costs until we are ready to make an offer and/or purchase. But we are planners and explorers.... more
I'm an agent for Phil at We Insure FL.com and live in the Venice area and will happily get you a quote on the house. I just need to ask a few questions and should be able to get you a quote in about 10 moinutes.
My number is 941-412-1511
We Insure FL.com
300 Triple Diamond Blvd
Venice, FL 34275