06/05/2026
Florida insurance — the number that changes everything.
Coastal (Miami, Boca Raton, Gulf areas): $7,000–$15,000/yr on a $300K home.
Inland (Orlando, Ocala, Lakeland, Central FL): $2,500–$3,500/yr on the same home.
The headlines are about coastal. Most buyers are looking inland.
Know the difference before it kills your deal.