What Homeowners Insurance Really Costs in Southwest Florida

📘 Free Estero Relocation Guide → https://guide.livinginesterofl.com 📅 Book a private Zoom call → https://calendly.com/heatherkielpinsk... 📱 Call or text 239-990-5500 · Heather Kielpinski, REALTOR with RESIDENCE | eXp Realty Can you really afford homeowners insurance in Florida? I owned insurance agencies for over ten years before becoming a REALTOR, and my homeowners insurance on my home in Estero, Florida is less than $1,500 a year. In this video, I explain why, what really drives the price of homeowners insurance in Southwest Florida, and the one thing most people don't realize their policy doesn't cover. In this video: • Why homeowners insurance costs more near the water and less in newer inland communities like Verdana Village • The five things that drive your premium: age of the home, age of the roof, wind mitigation, location and flood zone, and your deductible • How the Florida hurricane deductible works, with real math on a $400,000 home • Why flood insurance is a separate policy, and when your lender requires it • What I actually pay for homeowners insurance in Verdana Village, Estero, and why • What to check before you buy: roof age, wind mitigation report, flood zone and a real quote Whether you're relocating to Estero or buying a second home in Southwest Florida, knowing what drives homeowners insurance costs helps you choose the right home with no surprises at closing. I'm a REALTOR, not your insurance agent, so always get your own quote from a licensed agent. Every home and every policy is different, and rates change. CHAPTERS 00:00 Can you afford homeowners insurance in Florida? 00:30 Insurance costs: near the water vs. inland 02:00 What drives your homeowners insurance premium 03:29 How the Florida hurricane deductible works 04:38 Your homeowners policy doesn't cover flood 05:50 What I pay for insurance in Estero 06:43 What to check before you buy Heather Kielpinski, REALTOR with RESIDENCE | eXp Realty · Estero, FL · 239-990-5500