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Old 09-23-2012, 05:53 AM
 
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Will it cost much more to insure a $300k stick built house in Clearwater as opposed to a block built house?
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Old 09-23-2012, 06:51 AM
 
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https://www.city-data.com/forum/saras...ood-frame.html

The beginning of the thread hits insurance then goes more into termites, but I have to say I learned a lot about termites, lol. Someone also mentions that some companies won't insure wood frame homes, I wonder if that's accurate.

From what I've heard from co-workers is that yes, wood frame homes are significantly more expensive to insure. I wonder if some of that has to do with the fact that most of the wood frame homes I've seen are much older, which also appears to have a dramatic effect on rates. Do they still build wood frame homes in FL? I haven't done any research on new homes because we plan on buying something that's already there.
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Old 09-23-2012, 08:32 AM
 
Location: Florida & Arizona
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Of all the new construction I have seen over the past 15 years, I only recall seeing one stick built home, and it was a fairly expensive ($600k) one. Not sure why that would be, but maybe there are advantages to going with stick built under certain circumstances.

I would expect that building codes would dictate this in some fashion.

RM
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Old 09-23-2012, 08:42 AM
 
Location: Myrtle Beach
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Stick will cost you significantly more to insure than a block home. I looked at one stick home when house shopping.... after getting the rate I decided against it. Especially if you are getting something in Pinellas....
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Old 09-23-2012, 06:54 PM
 
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We just bought a stick built home. It didn't cost any extra for insurance. The fact that it was older cost us a little bit more, but the insurance company did not care that it was stick built as long as we provided them with a thorough termite inspection report showing it was free and clear from any termites or termite damage. We are currently paying $2500 per year for a 2100 square foot pool home built in the early 80's in Safety Harbor.
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Old 09-23-2012, 07:13 PM
 
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Quote:
Originally Posted by $16,000,000,000,000+ View Post
Will it cost much more to insure a $300k stick built house in Clearwater as opposed to a block built house?
I think you are speaking of block vs FRAME. Stick built just means a traditionally built home as opposed to a mobile or modular. There is a big difference in insurance for any of these. Block or concrete homes are predominant in Florida due to hurricanes and wood-boring pests. Frame will almost always cost a LOT more to insure here than concrete. A good agent can give you quotes.
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Old 09-23-2012, 07:17 PM
 
1,024 posts, read 1,799,512 times
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Quote:
Originally Posted by gypsychic View Post
I think you are speaking of block vs FRAME. Stick built just means a traditionally built home as opposed to a mobile or modular. There is a big difference in insurance for any of these. Block or concrete homes are predominant in Florida due to hurricanes and wood-boring pests. Frame will almost always cost a LOT more to insure here than concrete. A good agent can give you quotes.
I'm not sure what type ours is. I know for certain it isn't block. It was built with wood frame, so perhaps it is a wood frame home and I am calling it the wrong thing. Either way, we didn't pay too much more in insurance for it. We own a block home in Spring Hill and it's about $800 less per year. We were told by our insurance agent that we have to pay more for our home here because it's older. She said the fact that it was built with wood framing rather than concrete had nothing to do with how much they charged since it passed the termite inspection.
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Old 09-23-2012, 08:22 PM
 
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Yes, I mean concrete (cement) block versus wood framed.
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