Zillow Advice: Insurance - what does homeowner insurance run annually home in Charleston, SC vs one in Fort Myers, FL http://www.zillow.com/advice-thread/what-does-homeowner-insurance-run-annually-home-in-Charleston-SC-vs-one-in-Fort-Myers-FL/427221/ Zillow Advice | Zillow Real Estate Although it would be very ... http://www.zillow.com/advice-thread/what-does-homeowner-insurance-run-annually-home-in-Charleston-SC-vs-one-in-Fort-Myers-FL/427221/ <p>Although it would be very difficult to estimate the annual premium for a home without access to more specific information, let's assume that we're talking about a home that is located within 5 miles of tidal water and is (hypothetically) the exact same home. In this scenario, I'd expect to see a-5+% hurricane deductible on the policy, but otherwise would be comparable to an inland homeowner's policy (with respect to coverage).<br/><br/>The annual premium would likely be higher in Florida, due to the limited competition resulting from&nbsp;several&nbsp;carriers that have left the state's homeowner's insurance market.<br/><br/>Your best option would be to contact a local agent in Charleston and a local agent in Fort Myers and discuss different options with them. Homeowner's insurance, like real estate, is a very localized market, leaving some huge variances in annual premiums between locales.</p> Fri, 24 Feb 2012 17:22:00 GMT http://www.zillow.com/advice-thread/what-does-homeowner-insurance-run-annually-home-in-Charleston-SC-vs-one-in-Fort-Myers-FL/427221/ 2012-02-24T17:22:00Z