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Old 04-04-2010, 07:17 PM
 
8 posts, read 80,260 times
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We are looking at buying in the Seminole area - what are the costs of homeowner's insurance in that area? We understand this is a non-evacuation area. Also - does that include hurricane insurance or is that separate?
We have seen quotes all over the board. We are looking at a single family home.
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Old 04-05-2010, 12:03 PM
 
Location: Beautiful Pinellas County
1,447 posts, read 2,663,487 times
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I live in that area
Hvae to have citizens, (it changes, sometimes I do, sometimes I'm dropped!)
Currently $2225 for a 2000 sq ft home on 1/4 acre with swimming pool, cage and built in outdoor room of a further 250 sq ft. Hope this helps. The structure and age of your home makes a difference.
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Old 04-05-2010, 02:30 PM
 
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Probably wind will be on your homeowner's but check. My Tampa property has them combined. But in south Florida I need a separate wind policy (plus separate flood) due to proximity to beach.

Compare Homeowner's Insurance Rates
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Old 04-06-2010, 08:11 AM
 
Location: Tampa, FL
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Couple of issues. The main one is how far you are from the Gulf: the further, the cheaper. Note also that Seminole has various heights above sea level. Some are at sea level, others are at about 50 feet, which will affect your flood insurance. I'm right next to Seminole: actually in unincorporated Pinellas, right between Seminole and Largo. My insurance is about $3000. They go by under roof, not just living, so we're talking about 3800 sq. ft. By contrast, a friend has 2,000. sq ft. on Indian Rocks Beach (due West of Largo) and is paying close to $5000., not sure if that's with flood insurance or not, I don't think it is. Since I'm at the approximately 50 ft. above sea level, I need no flood insurance. Indeed, evacuation shelters are just down the road. Look along 113th St./ Ridge Rd. (named that for a reason) and you'll be at the highest points in the county. Also, look at pinellascounty.org (may have to go to the "Utilities" section) and they have an evacuation zone map. I find it a handy combination to be less than 2 miles from the beach and 50 ft. up. I am in the process of listing my house and intend to stress that combination.
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Old 04-23-2010, 04:08 PM
 
8 posts, read 80,260 times
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thank you so much for the info - do those costs include homeowners insurance or is that a separate policy? I am assuming these are yearly costs.
These are such good things to consider - I have downloaded the evacuation map - thanks for the tip. Sounds like finding a place that doesn't need flood insurance is a major plus.
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