If we talking about homeowners insurance in Florida, except of your deductible, value of your home it also depends on the year the house was built.
Don't forget about hurricanes. If the property meet the Newest Hurricane Building Code Safety Standards insurance will be lower than, for example, insurance for the same house built 30 years ago.
Each area has different building codes, they are not the same all over Florida. Some builders show you shutters and you feel safer, but they might have used regular glass, where another builder has used 120mph wind resistant glass and no shutters, so it all depends on what that area has stipulated for the building codes.