Homeowners insurance in Florida?

Asked by Hilary Smith, Indiana Thu Feb 14, 2008

We would love to retire to an area like Dunedin, Florida. However, homeowner's insurance scares us. Can someone please tell us what we are looking at for insurance on a $175,000 house, if we can even get the coverage?

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SM, , Lakeland, FL
Thu Feb 14, 2008
It is not scary and has been way over sensationalized in the media. Don't get me wrong, the insurance industry needs work, however you just need someone who can guide you through the process. The other agents are correct. It is dependent on the location and specific factors of the home. I have several companies listed on my web site that can give you a quote based upon the address. Check the link below. Dunedin is a wonderful place to live and I am sure you will love it there. I also relocated from Indiana. Good luck to you and let me know if you have any questions.
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Myke Atwater, Agent, Santa Rosa Beach, FL
Thu Feb 14, 2008
I just checked earlier today with an insurance agent in Niceville Florida (panhandle), and premiums are running around 1200-1500 for a home in that price range. I just priced out a 550,000 home this afternoon, and was quoted about 4,000/year.
Web Reference:  http://www.MykeTriebold.com
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Mary Smith, , 34285,34238,34202,34293,34287,33963,34293,34292,34275,33947,34231,34289,33980,
Thu Feb 14, 2008
There are many qualified and excellent Insurance Companies who would be happy to explain the in's and out's of insuring a home in Florida. There are many factors that manipulate the pricing of the policy. The age of the property is very important, because it relates to hurricane building codes. The location of the property is also important; properties close to open water quite often need to have flood and wind riders attached. The construction of the home is also a factor. The good news is there are lots of options and I am sure a good agent would help you find the correct policy for you and your retirement home.

Mary Smith
Bosshardt Realty Services, Inc
0 votes
Kathleen, , New Albany, IN
Thu Feb 14, 2008
Homeowners insurance does vary with where the property is located as well as if it is a single family home, condo, townhome or villa. Should you want to have low or no maintenance there are many condos, townhomes and villas where the monthly maintenance fee covers the outside of the building so the homeowner insurance cost to you would be to get coverage from the interior walls and contents. Should you want to talk to a homeowner's insurance agent contact me for my vendor list so you can check things out a bit or feel free to contact me to answer any questions you may have. I am an Exclusive Buyer Agent and offer 100% representation. I do not list properties but can show and sell anyone's listing.
Web Reference:  http://BuyersLighthouse.com
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Lars Kier, Agent, Wesley Chapel, FL
Thu Feb 14, 2008
Home owner insurance depends very much on the location of the home. You can get homeowner insurance, it just depends on how much. If you have any specific questions, please do not hesitate to call or e-mail me. You can find all my contact informations on my website. http://www.KierHomes.com
Web Reference:  http://www.KierHomes.com
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