Yes, very expensive... The range is around 600 to 1400 per year easily...
It all depends how much dwelling insurance you add... Problem is that people are not telling you that this is not just for content but you need dwelling coverage as well... Plus hurricane (wind) protection which your deductible is usually 2% of your dwelling coverage...
Just for comparison... Here is what I found as the lowest price..
65k dwelling coverage
25k Personal property
10k loss of use
Total per year $855.
I find this very expensive... I was in Canada and owned a home worth around 400k and my total coverage for a home was $675 per year...
Considering the HOA is covering the bulk ... I cannot understand why they are charging these crazy fees.