What are your insurance rates?

[maggiekate]

Originally Posted by kimwick

Live in Pasco paying $5800 for a home built in 87 and is 2140 sq. I am 4.67 miles from the gulf. Never had a claim. Have State Farm. My insurance went up 248%. This is a total joke. We are getting ripped off here in Fla. Something has to give. You know how many people are dropping insurance all together. It is a scary thought. Live on 2.14 acres house was assest at 150,000

pasco is now bad land. i got a non renew, now what?:

from 1200 t0 3200 plus, and to be happy?

I will not renew. Also, I will look to TN to move.

[bamboosmom]

Well as you all may know by now, I sold our home in September and we will be closing in a few weeks. My buyer asked me about our insurance company and I gladly gave her the info and the company's name.
We went up $350.00 after the hurricanes which makes our payment about $1400 a year! Can ya beat that?

[HolidayFL]

State Farm, deductible is $500 (no additional percentage), all the bells and whistles. $1,822.00 per year. no flood needed here but you can it for $207 per year

[scamutz]

Originally Posted by maggiekate

who did you find in pasco who is doing home insurance?

Wexford and Liberty Mutual are two that I am aware of.

[FL_TN_Nana]

Originally Posted by jay chardon

What are you paying for house insurance?
It may be helpful to others to know what insurance costs in different areas of Florida.

Please note that not all insurance policies are created equal so a lot of the cost depends upon the deductibles, etc.

We live in Lake County, have a 1700 sq foot home with an additional building (workshop/garage) on about 1/2 acre. House was built in '91 and we bought in '92. Last year we took out the 2% hurricane deductible rather than the 5% we had during '04. Our primary deductible is $500. Our 2006-07 premium is $1,058 with State Farm - and $65 of that goes to Citizens to help insure the people on the beach with the ++million dollar homes.

From what I've read on this and other forums, guess I shouldn't complain even though our insurance has gone up in the past couple of years. I just hope it doesn't continue to climb.

[tallrick]

$0.00 I don't believe in buying insurance. My dad and I built it in when we built the house in 1990. If it gets destroyed I just sell the lot and leave.

[sunrico90]

Is all about location, 6 to 7 miles from the Gulf of Mexico and 1/4 from East Bay River, house 1820 SF, built in 1997, no claims for hurricane damage, 1 claim from hail storm (roof replaced). The claim for hail did not cost me a penny; everything was cover by the insurance. My payments for the first 5 year were under $650 a year, therefore my $9,500.00 roof with 30 year warranty at no cost. The insurance did increased after the 2005 hurricane season just like everyone else.

House worth $250K
Insurance $1,500.00
Deductible; $2K
Hurricane Deductible 3% full replacement value.