Homeowners insurance depends alot on the size and age of the home. The newer the home, the cheaper the insurance. If the home was built pre-2004, it is best to get a wind midigation report done. It costs approx. $75.00 and rates the home for the type of hurricane protections the home has. (i.e. type of roof, type of windows, type of shutters etc.). Many of these features can lower the insurance by as much as half. You will also need to determine if the home requires flood insurance (does not have to be on water to be required). This will be a separate policy. All in all, I have seen insurance range from approx. $900- $3300 per year and once again depends greatly on what the home has to offer.
If you are looking to buy, I will be more than happy to help. Please contact me anytime.
Joyce Sass SFR, ABR