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Old 04-16-2019, 08:54 AM
4 posts, read 908 times
Reputation: 10


Hello, I am a police officer trying to plan for retirement. It has been my life's dream to live near the ocean. I should (Good Lord Willing) have my home in Virginia paid off shortly and wanted to buy a second home near the coast. I would consider Virginia or one of the Carolinas, but I want an area that is warmer in the winter. I really want to move to Florida, but I have read that almost all areas of Florida have unaffordable homeowner's insurance costs.

I have read in some forums that Camden County Georgia is unaffordable in other ways, but cannot find information on the cost of homeowners in the Brunswick/ Kingsland areas. I know I cannot afford to be oceanfront, but does anyone know the average homeowners insurance costs for these areas that are just a little further inland? I am looking at homes around $125,000 or less.

If not, can anyone suggest areas in northeast Florida or Southeast Georgia that aren't that costly?

I want to be in a somewhat quiet rural area and being a career police officer, I want to be away from a lot of crime. I know all areas have crime and Brunswick can be rough, but is there an area even in Brunswick that isn't that bad? I have also considered St. Mary.

Thanks for all answers.
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Old 04-16-2019, 09:19 AM
Location: The South
5,789 posts, read 4,015,932 times
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I know nothing about HOI on the Ga. coast, but I lived on the Mississippi coast during Katrina. I was about a mile or so inland. Prior to Katrina my HOI including flood was about $700 per year. Three years after Katrina it was $3500. I suspect the Georgia coast had the same increase. It costs to live near water.
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Old 04-16-2019, 10:14 AM
4 posts, read 908 times
Reputation: 10
I looked in that area too. I can't afford those prices.
I get why they are so expensive, but I couldn't swing that much.

Thank you for your reply.
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