How much does hurricane issurance cost on an average 1500 - 2000 square foot home, in the Fort Myers area?

Asked by Don, Fort Myers, FL Sat Apr 7, 2012

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Sarah Garrett, Agent, Fort Myers, FL
Sun Apr 8, 2012
Hi,
Most insurance plans will cover this kind of catasrophy with a 2% deductable. $1.00 a sf per year would be about the minimum. I just got a 2400 sf quote in Ft. Myers not in a flood zone for $1800.00 which is down from what I am currently paying ($3200). Check with Sue Moss at Herndon Carr Ins.

Sarah Garrett, Realtor
ALLIANCE REALTY GROUP
"Chosen Best in Client Satisfaction 2006-2011" by Gulfshore Life Magazine
sarahgarrett@argfl.com
http://www.flrealestatebuysell.com
Web Access to MLS:
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Jim Sweat, Agent, Venice, FL
Sat Apr 7, 2012
Hi Don,

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
Realtor
Sandals Realty
http://www.ExplainShortSales.com
941-306-7384
Team@JimSweat.com
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