Home Insurance Rates Palm Harbor - Dunedin - Clearwater - Oldsmar : What do you have and pay?? (HOA fees)

[ShakyJ]

Hello Everyone.

Looking for home & condo owners to tell me what they pay for home owners & flood insurance every year and how close they are to the water.

Trying to figure out what the home insurance rates will be. Looking to buy a home around $ 200k in one of the above towns.

Please let me know..
- Roughly where you are in proximity to the ocean or if you are in a bad flood zone
- Home or Condo
- Insurance Rate (Fire, theft, etc)
- Flood rates



Thanks!
Jason

[ShakyJ]

And does anyone know if different carriers offer much better rates?

[ShakyJ]

Nothing?

[Pragmaticus]

Nobody is replying I think beacuse your question is too broad to answer.

Flood insurance is subsidized by FEMA so changes from one insurer to other is minimal. It depends on how high the hosue is located compared to the source of flood.

Condos will include this price in their HOA fees. The home owner insurance depends on how vulnerable the area is to sink hole too.

Complicating the matter also are such factors as what level of protection you need, what type of deductable you take, what type of credit history you have, and even whether you get both (and car insurance) from the same insurer.

If you use the search option you will find specific response from people for their specific cases. I would guess for your case expect in the range of 2K/year for both insurance. If you have a pecific place in mind, you could also ask an agent what would it take to insure that specific house.

Good luck