Home Insurance for East of I-95 Property (Hollywood: how much, construction)

[Panam]

With all the talk of home insurance rate hikes over the past 4 yrs, I thought it would be beneficial to post this thread to give us all a fairly accurate picture of what people are paying for home insurance these days for property EAST of I-95 so readers will know what to expect to pay.

How much would such insurance cost for a 3100 sq. ft home EAST of I-95? (I figured 3100 sq. ft is a typical 2-story, 4 bedroom home.) Please provide a fairly good "guesstimate".

For those willing to post what they are actually paying for their EAST of I-95 property, be sure to state your property's details (ie. 2500 sq. ft 3b/2b single story home) If you had a rate increase or decrease over the last year please give details year over year. (ie. decrease of $700/ increase of $700)

Thanks in advance

[vigo]

3700 SF home, 5/3 single story home east of US 1 (Hollywood Lakes) - total insurance costs = $7437 broken down as follows:
Homeowners - $1958
Windstorm - $3149
Flood - $2330

Citizens wants to raise our windstorm premium by another $3000 but we just had a remediation inspection so that amount will be reduced -- not sure by how much yet. Insurance down here is killing us. We will be moving to NE Florida where insurance costs are less.

[LookingHome]

Bump!

This info would be so helpful for any surrounding areas for those of us looking to move! I have no idea what to expect!

[rhomefield]

if im looking to move to hollywood east of us 1, how much homeowners and flood insurance night i expect for a 2/2 or 3/2; less than 2000 sq feet; one story; no pool?

[Lee Colson]

A "rule of thumb" for insurance is 1% of amount insured plus about $500 for flood insurance. Of course, location and other factors will determine the exact amount. If you live east of US-1 your home needs to meet wind mitigation criteria (e.g., roof and windows) to get discounts. Here is a website also provides estimates and comparisons:CHOICES - $150,000 Value - Pre-2001 Construction w/ Wind Mitigation

[Thor88]

Insurance is not expensive east of I95 if you are located outside of a flood zone. It is generally flood insurance that makes the total rate so scary.