A very important question I would ask of the Florida folks:
How much have your homeowners no auto insurances gone up in the last ten years thanks to the recent hurricanes?
Bravo Lori...you said it well.
So, I will answer that based upon my personal expenses...
I moved from New York, Long Island specific to Central Florida.
My auto insurance now covers 3 vehicles... Full coverage
, everything on all vehicles with a $500 deductible for collision, extra insurance to cover any outrageous medical bills should they occur from a accident.
Also have a rider for towing the horse trailer and damages, medical bills, etc that could incur to me or others.
Policy is $960 for 6 months just paid this month. It actually went down $13 for the 6-month period.
We have accident and ticket free licenses.
On LI a policy for 2 vehicles
...same coverage was $1600 for 6 months.
Same company with a top-tier AAA+ rating.
My home here is 10 years old, ranch design, concrete block construction.
Home is on 2.5 acres deeded, then I have additional property that makes up my total land.
My homeowners policy covers home, land, barn, additional 3 car separate garage, and large storage shed. Included is a sink-hole and flood insurance clauses just in case but I don't live in a area where problems are so...cheap coverage.
Insurance company is again top-tier but not the same as my auto coverage so no "discounts" given for piggy-back or multiple policies.
As low a deductible as allowed by Florida law...
Cost is $726 a year. Has gone down
each year a few dollars actually.
My home on LI was smaller, as in tiny square footage on a postage stamp piece of property, small shed. No garage, no barn...
Cost was $1765 in 2012 when we last paid it and sold our home their.
What surprisingly I find costs more is food...
For a state that grows and produces so much it is very expensive to me...more in fact than up north.
Everything else you can think of to find in the food store is about the same price. As for bugs...
They breed and grow larger here than up north for sure.
Snakes, yup we've got them.
I have a family of Black Racers that live close to my home...
I am not
a fan of snakes but they serve a great purpose to keep vermin under control.
I also with that resident snake family have no venomous snakes as racers are a deadly foe to near all snakes.
I have not seen venomous snakes and I am always
on the watch for them.
We have a few other varieties of snake but they not bother me and me not them...we live in harmony.
Alligators...not on my land but they are nearby I'm told.
I have no ponds or reason for them to be here... dry land does not usually attract them.
I have raccoon, fox, coyote, Florida panther, bobcats, wild turkeys, 3 species of owls, several varieties of hawk, bald eagles along with regular song birds and then herons, cow birds and seasonal visitors.
There are bears to the north but not seen near my homes area in about 10+ years I'm told by "local" old-timers.
I get to watch in the sky "live" from a long-distance away rocket launches from the space center.
Disney and Universal are a 1 1/2 hour or so drive as are major airports and the nightlife of theater and concerts of the top headliner shows.
Best medical care is not far away...some of the best in the nation.
But the very best is, when everyone else complains about subzero temperatures, buried under feet of snow and ice.
Dark, dreary weather and blahs of winter I am loving
my winter and riding my heart out daily.
You know, there are trade-offs no matter where you live or travel to...financial, social and in amenities.
It took some to acclimate to here, to this change in lifestyle, the weather, but truly I love it
at this point in my life.
Depending upon what part of the state absolutely
has to do with pricing and coverage amounts for insurances...same as anywhere else.
Florida is a huge state with much to offer to those who look for it...
Close your eyes and wait 5 minutes and change will greet you is something you will hear about the weather...it is true about many things in this state.