Insurance rates depend on the age of the home. Homes built before 1987 are going to have a higher insurance rate. I can only give you a range. If the home is not a manufactured home and is $150,000, the rate is probably $1200 and up. If you are looking for homes in Lakeland 55+ that are not manufactured, you will want to look at Colonnades and Highland Fairways. Also, you can visit HighlandFairwaysNews.com and ColonnadesNews.com to see all homes for sale in those subdivisions.