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Florida's HOI has been coming down lately. I'm with Northern Capital Ins Co. but the other day received a quote via peoplestrustinsurance.com. the best quote I've ever gotten but it is a new company.
Including a 2% hurricane ded. and a $2500 ded. on everything else. 300K liability, 300K value, 75K contents, for $754 a year.
You can also take a 5% hurricane ded. but the diff. in premium is pennies.
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