On our side 5-6k all in for a structure of about 300-500k. Lot is most of the value on sub-$1mm WF homes.

This big issue is one big storm and Citizens won't be able to fund the payouts. I work the claims side and even Citizens knows this but with so little options for a lot of home owners they have to keep accepting policies and it is setting up to get really ugly.

Thanks for the info.
My realtor is looking at a house for me today in Palm Bay. I used their site & looks like I can expect to pay around $5.5-6.5k through companies I never heard of. Is this normal in the area? I had planned to stick with State Farm unless their rate was ridiculous.

I am seriously thinking about dropping wind/hail. A few years back I had a metal roof installed with all new sheeting nailed every 6” and water guard over 100% of it. It is a very simple 1500 ft cinder block house. Since we do rent it out some, my bigger fear/exposure is liability.

That's not horrible. We're on the beach in So. Cal and It's only a little less in the same situation with land worth more than home.

Is it cheaper on the Gulf side?

It varies with the area and ease of blue water access. Even places that offer nearly identical intercostal and gulf access, one bridge can create a 500K+ difference. The cool thing about performance boats is their low profile makes most bridges irrelevant.

My bad. I thought you were referring to property values.

I think Dade/Broward/Palm Beach benefit from the newer building codes (after Andrew in 1992) and subsequent updates so the insurance companies like that but I'd guess all of S Florida is in the zone of "no thanks!"

One the biggest issues are lawsuits. Guys will actually canvas neighborhoods promising new roofs, then sue the insurance companies on your behalf for "past roof damage that you never realized." Your roof doesn't leak but their "experts" will show it was compromised by high winds and of course it needs full replacement. Ins companies are getting picky, not wanting to insure older roofs/older homes against plumbing failures trying to limit their exposure.

State Farm won't want Florida even if you are a 20 yr client. Most of the companies you have never heard of .............went from Olympus to Tip Tap, never heard of either but its my same agent representing both.

Our house is a 3/2 on a canal and is valued at about 850K... my homeowners is $2450 and flood ins is $1250...

36Tango, I'll PM you the contact info for a few of my buddies, either of them can most likely help you...