It's not too difficult to figure out what kind of rates you'll be looking at. I would suggest talking to an insurance agency. They'll give you a quote. You can talk to a handful of agencies and get quotes from all of them as well. You want to make sure you get a good price. You should also make sure that you get the best service available too though.
The newer the home and the further away from the water the less expensive your insurance is going to be. There is a "magical line" that runs through the area called I-10 homes above this area are going to have a lower insurance rates than those below with few exceptions. In Florida we are primarily concerned with up lift of roofs from wind. That is why we have some really stringent standards in building code especially for roofs..Most of those began after Andrew and then were reinforced after Ivan so if a roof has been put on since then chances are the roof can have a wind mitigation inspection and pass with flying colors( Which can reduce even an older homes rate). What is really interesting is that even some late 1990 homes have quite a few of the standards that would later became law. I particularly like to give my clients several independent agents name that will shop for the perfect policy for you. But sometimes you are quoted one thing by one company and a drastically lower one by another....the real important thing is compare apples with apples. The link below is a blog I wrote that gives insight into learning what all the terms Insurance Providers are going to use...please follow it because you will not believe the terms you will hear........ more
Try Standard Casualty. I know in the past they wrote in Florida, not sure if they still do. Here is their web address: http://www.stdins.com/. If that does not work, try asking mobile home dealers - they have some other sources as well.
I have dealt extensively with this issue of aluminum wiring in Pensacola. I was quoted in the Pensacola News Journal on the issue recently. As far as I know, the only insurance company that will insure a home with aluminum wiring is Citizens, and you need to use a special kind of "pigtail" to connect aluminum to copper wiring in all your outlets. No other insurance company has stepped forward and agreed to insure even with pig tailing the wiring. When my husband and I decided to rewire our home, the electrician found burnt wire, and burnt insulation. In my opinion, we were living on borrowed time until we had a fire. Since my 91 year old father who can't walk lives with us, I sleep better knowing we have eliminated the possibility of a fire caused by aluminum wiring. I believe the figure is that you are 53% more likely to have a fire if you have aluminum wiring instead of copper.... more