Homeowner Insurance in Gulf Breeze? (Miami, Fort Lauderdale: how much, home, deductible)

[digs5446]

How much does that run these days, including hurricane coverage? What about property taxes? Thinking with a $300-$350K home in mind...3 or 4 bedrooms, between 2,000 and 2,500 sq ft.

[psulions2007]

You're better off living in South Dakota

[mango23]

Originally Posted by digs5446

How much does that run these days, including hurricane coverage? What about property taxes? Thinking with a $300-$350K home in mind...3 or 4 bedrooms, between 2,000 and 2,500 sq ft.

Here is a probability chart which insurance companies, look at. It would be less then say Miami but still being costal won't be cheap. It will be a lot no matter what. As an example, mine in Fort Lauderdale went up to $7800.00 a year and my deductible was $8000.00 before they pay me a dime. I just canceled my insurance. They changed the laws and you can now get a home owners policy without the wind storm. I canceled mine right away. I ins is now $1600.00 a year

http://www.floridahurricane.net/imag...info-stats.gif

[digs5446]

original poster here, just checking back to this thread after being away for a while.

i appreciate the responses but was hoping for something more specific, i.e. what would be an average (i know there are multiple insurance companies and this number can vary, but how bout a ball park figure?) annual homeowner's insurance premium, with and without hurricane coverage on a $250,000 home? do most people get the additional hurricane wind insurance? is that a given? sorry, i'm from up North and am clueless about hurricane insurance, i'm just trying to prepare for what i would be spending per year on a $250,000 home.

also what is the residential property tax rate in gulf breeze? or if you don't know that figure, what is the average yearly tax bill on a $250,000 home?

thanks