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When I tried Citizens (2007 they were $3000 and change versus $1200 or so. I was looking for new coverage on a newly purchased home. I also live on water, not ocean though. I am exactly 2 miles from the beach (Ocean), 1000ft from the Intra Coastal and 9ft above sea level. I live on an island which is quite common in Florida. Citizens coverage was not as good at the time either (No Pool Cover Coverage and such like).
I am VERY happy with Tower insurance. But I think that insurance rates are coming down in Florida. At least the coverage is getting a lot better. I Also found car insurance to be very reasonable this time round.
Regards,
SWR
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Retirement Definition - Not Having To Work, But Not Neccessarily Not Working - SWR 2000
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