If you have any further questions regarding this or any other issue pertaining to real estate, you may contact me at 786.302.0351 or email me directly at juan@insideMIAMIrealestate.com.
It depends on the house (age, condition, exact loaction, type of roof, type of windows etc).
I can only advise you to shop around for insurance. The premiums differ immensely - depending on the agency (even with the insurer always being Citizens)!
Another tip to save on house insurance is to split. Get wind from Citizens (they are the only ones that do wind) and then shop around for the best deal for flood, fire and such.
Coldwell Banker Residential RE