Good question . . . Although I'm somewhat confused, because all listings, especially those that revolve around associations, such as Home Owner, Condo, Co-op, or other entities formed as an association designed to govern in some way a given complex or development, must indicate the Fees associated with the property and what those fees include. Listings must also show the current Tax information. To that extent, please keep in mind that there are differences between the various types of associations --- for example, a Home Owner association does not govern a Condominium Complex.
That being said, the general items of commonality with any association fees are; Reserves, Maintinance, and Master plan insurance. From there, what is contained in the fees varies from one association to another. However, important costs covering such things as CATV, water sewer, trash removal, Gas, in some circumstances may be covered/included. When utilities and other services are included, the value of those can only be determined by comparing your over all monthly fee to what the total amount those services would normally cost if you paid them independantly.
As for how do insurance costs compare from one city to another, ie: St. petersburg, to Maui, that is another difficult one to answer, as the rates are determined in part on geographical location, and other demographics. For example; a home close to the ocean and prone to seasonal weather normalities, would be rated differently than a 100 acre farm in the center of that state. Just as car in surance for a densely populated area would be generally more expensive than in an area that is no so populated.
I might suggest that as a part of your investigating efforts, you contact the Economic Development Department of each county in which the city you are interested in, is located. On the other hand, if you wish to compare insurance costs in this immediate area, for an example; Pinellas, Hillsborough, Pasco, Polk, Manatee, and Sarasota, Counties, that is an easy function, which can be handled by contacting any local insurance company and provide the address of the property.
In the alternative, if you were working with a Realtor, he or she would/should, automatically be willing to provide you with this information.
If you are interested in a particular sub-division, or complex, or have a particular address you wish to have checked out, feel free to call. We will be glad to assist you. Or, please feel free to visit my web site http://www.TerrymorehouseRealty.com
to learn more about our company and our experience. There you can also gain access to the local real estate market for your searching needs.
Have good day.