marc, Home Buyer in Port Charlotte, FL

I’m looking for info about the difference in cost for home insurance in Port Charlotte. Same house, inland and it on one of the salt water canals.

Asked by marc, Port Charlotte, FL Mon Apr 8, 2013

a percentage.

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The insurance rates will vary from area to area. One of the determining factors will be the flood zone it is located in as well as the features of the home. The features of a home play a big role in the discounts which (Tammy) has covered pretty well below. Be sure to always check the government website to get an idea of the flood zone the property is located in. The website is
0 votes Thank Flag Link Mon Apr 8, 2013
Insurance rates vary by age of home, size of home, conditions of home, and location of home. Insurance is more expensive if you live near any type of water - pond, lake, river, Gulf. Insurance is more expensive if the home was not built to current hurricane standards. You can get discounts the home qualifies for by having a wind mitigation inspection done at the same time as your home inspection. Discounts are available for building features that reduce damage during high wind events. Overall discounts include things such as age of home, style or roof, how close the homes is to a body of water, how close to a fire hydrant, how the roof is tied down, if the home has hurricane shutters or impact resistant windows, frame or block home, etc. If the home is in a flood zone, the insurance company will require a flood elevation certificate. That can be obtained by paying a survey company to prepare it. To check Flood Zones go to and type in the address of the property. It will give you the flood zone, rates, and insurance companies to contact for quotes.

Tammy Hayes, Realtor
RE/MAX Palm Realty
0 votes Thank Flag Link Mon Apr 8, 2013
The difference is going to be if the home is in a FEMA designated flood zone or not. Even if a home is not on a saltwater access canal and in a lower lying area, the home will be required to be covered by flood insurance. Some of the homeson saltwater canals are actually not in flood zones.
If I can answer more of a specific question for you, give me a call or email.

Roger Richmond
Century 21 Sunbelt Realty
0 votes Thank Flag Link Mon Apr 8, 2013
Thanks Roger, looking in the Gulf Port area, be down in a few weeks to look at houses with a friend who has a house inland there. Just a few days. My purchase will be between 150k and 300k cash or 75% down depending. Need to know more about sea walls, dredging and bridges. Thanks again, Marc-NJ
Flag Mon Apr 8, 2013
Not a Chris at He'll give you a quote in 5 minutes!
0 votes Thank Flag Link Mon Apr 8, 2013
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