Follow up to "husband took a job in Ft Myers"

[RMD3819]

Originally Posted by sbapasto

How much do you think the insurance would be? I currently pay $4800 per year in St Louis in homeowners taxes and 1500 in house insurance.

My HOI is $4700/year and I live east of LSL in Golden Gate Estates in a house valued at about half of what yours is.

[motordavid]

Our HOI is ~$2100 a year, which has trickled up from <$1700 3 years ago.
The seasonal FL Starter Shack we have here is no mansion: 2000 sq ft under air, 2 car garage, good sized lanai on a golf course; SFH, new in 2005, metal shuttered in summer season, with elec roll downs on the wide lanai.

I haven't studied the deductible/coverage so none of us are posting about anything being 'equal', I suspect.

But, in 8 seasons here, have never had any problem getting coverage...however, with no mort, I am not happy over the continual rate increases.

Fwiw, our policy is through a local agent, Troy Baker, and is underwritten by St. John's based in SC, I believe.

We carried the ~$200 FEMA add on for a few years, but I dropped it. Not the price, just the who cares angle, I suppose.

On a similar note, when I ball park the house insurance, umbrella policy, et al, that we have paid over the past 45 years, it makes me say, 'Wow!', in terms of the outlay. I get it when one has a mort, but we haven't had a mort since ~1998, back in NY. I sometimes think a roll of the dice/uninsured, over decades, is a pretty good 'investment'...
GL, mD