It is almost impossible to compare rates as there are so many variables. In 2012 our annual premium was $1770/yr and this year it is $1895, so a $125 increase. The dwelling is insured for $260K. Actually the premium is $2457+$318(replacement cost of personal property)+$155 for misc coverages and fees. And, all that is reduced by $122 for my deductible, $320 for wind mitigation credit and $593 for sinkhole exclusion. I have a deductible of $2500 on everything except hurricane deductible is $5090.
Now, does that tell anybody anything? One important item is that I had a wind mitigation study on our home (cost $100) that gives me a credit of $320/yr. That study verified that this home was built with most of the standards implemented after hurricane Andrew in 1990. I think the study and credit is good for three years and then has to be redone if changes are made to the hurricane codes.
We are about 12 miles from the Gulf and not in a flood plane. However the state and the insurance companies just redefined our area as hurricane "prone" and subject to damaging winds. What that does is require windows that are hurricane resistant if I decide to replace them. Just had a quote last week for about $20000 to replace all of our windows.
About a month ago I went to Allstate for a quote, just to compare, and they aren't writing any policies in Florida. Friends of ours just bought a home in our area and had a hard time getting someone to write a policy. They ended up going to the company we are with.
Well, I guess I burned this thread. What more can I say. I always enjoy these threads where comparisons are being made but it's so hard to decipher. This post might be helpful to someone in Florida but not to someone in Iowa.