What is the average cost for hurricane insurance in florida for a $300,000 home?

Asked by Prinny, New Bern, NC Sun Dec 6, 2009

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Myke Atwater, Agent, Santa Rosa Beach, FL
Sun Dec 6, 2009
Hurricane insurance is just one part of your insurance here in Florida. There is a different deductible--the big question is flood insurance depending on whether the home you choose is in a flood plane. Generally on a 300,000 home, your insurance would probably be between 1500 and 2000--if you carry flood insurance in a zone that is not flood, the additional premium is about 300. Other things come into consideration such as the type of construction, the outcome of wind mitigation study, the type and age of roof you have (hip or gable). What I normally do is when someone has identified a home they are interested in I call my insurance rep and get a quote to share with my buyer.

I hope this information helps--If you would like more assistance, please contact me at:
MykeSaysSold@aol.com, or call me at 850-305-6256 anytime.

Myke Triebold, GRI
Web Reference:  http://www.MykeTriebold.com
3 votes
Ken La Plante here,looking at property at 925 n Halifax ave Daytona beach fl. Bayshore condo. upper floors, built 1975. hurricane ins rough est. non res.
Flag Tue Apr 19, 2016
Judi Rutland, Agent, Destin, FL
Mon Jun 14, 2010
Hi Prinny! There is not"average cost" for hurricane insurance. Location and type of structure is a consideration. Age of the property is yet another. If you are going to shop for this type of insureance be sure you understand what you are buying and ask how the insurer defines rising water vs. wind driven rain and whether they pay regardless of the type of claim that is filed. For example, if your home flooded during a hurricane, was it due to rising water or wind driven rain? This makes a huge difference. Read the fine print to be sure.
Web Reference:  http://judirutland.com
2 votes
Kelly Klein, Agent, Santa Rosa Beach, FL
Mon Sep 9, 2013
There is no average cost of hurricane insurance. There are too many factors that come into play. The main factor is proximity to water and elevation certificates, etc. The location of the home plays a huge factor in answering this question. It is best left to the professionals in the insurance business to answer this question appropriately. I have a full list of insurance companies at my website. Just go to http://www.KellyKleinSoldMine.com and then click on the Local Resource Tab and scroll down to Insurance. From there you can select an agent or two and call them with the address in question to get an accurate FREE quote.

I hope this helps.

Warmly yours,
Kelly Klein, Lifeguard Real Estate, Inc.
1 vote
Nice ad but there are examples one can give
Flag Tue Dec 3, 2013
House Detect…, Both Buyer And Seller, Fort Lauderdale, FL
Mon Sep 9, 2013
The premium is usually included in the premium and listed under catastrophe or hurricane and the deductible is usually a percentage of the value of your home (3%).

You can mitigate the cost of your insurance by obtaining a wind mitigation report by a licensed home inspector. Please visit my website http://(www.house-detective.biz), under services, wind mitigation, and I list the 9 factors that insurance companies look for so that you can get a reduction in the premium.

Flood insurance is only offered by the federal government. NFIP (Nat'l Flood Insurance Program) and it is operated by FEMA. The cost is minimal. You should have or will get a flood description from your title company.

Hope this helps!
0 votes
Janie, Home Buyer, Des Plaines, IL
Sun Sep 8, 2013
hurricane insurance will be needed on top of homeowners insurance
0 votes
Tammy Hayes, Agent, Port Charlotte, FL
Thu Oct 28, 2010
Homeowner’s Insurance—http://www.shopandcomparerates.com/HOCompareRates.htm
0 votes
Elizabeth C…, Agent, Jackson Heights, NY
Sun Aug 8, 2010
Flood Insurance is definately not our Forte. You should talk to several Insurance Companies. Also, find out what you are actually getting. Will the Insurance cover a Hurricane. I thought that flood insurance would only cover your valuables within your home. I was under the impression, that any act of God/Mother Nature such as a Hurricane, that the insurance coverage would not cover your Home. When it comes to Insurance. Investigate. Read the fine print and make sure you are getting what you are paying for. Good Luck, Liz
0 votes
Kelly Klein, Agent, Santa Rosa Beach, FL
Tue May 11, 2010
Checking with several providers is always recommended. It will differ depending on location, proximity to the water, elevation of the home, etc. A lot of factors go into this quote. I have a full list of local Insurance providers at my website.

I have also found that Jana McDonald at Term Broker's Insurance has outstanding rates. You can reach Jana by emailing her at jana@termbrokersinsurance.com or calling her at 850-864-2000. Lindsey is her assistant. She is excellent and will call you back! For other agents refer to my website under Local Resources and then scroll down to Insurance.

If I can be of further help to you, please just let me know.

0 votes
Anna M Brocco, Agent, Williston Park, NY
Sun Dec 6, 2009
For an accurate answer why not contact a few insurance agencies and ask for quotes based on the property characteristics you have in mind.
0 votes
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