We bought our home in FLORIDA; in August of 2001 and paid $631.00 for one year of homeowners insurance Through the Harbor Insurance Group Inc. 216 2nd St. N. St. Petersburg, Fl. 33701 Tower Hill Insurance Company they were the Insurer for the past 5 years. P.O. Box 147018 Gainesville, Fl. . 32614 (352) 332-8800 For personal liability $100,00.00.: personal property $45,000 for our 1960, 1600 sq. ft. home in a non-evacuation zone In 8-2003 - 8-2004 we paid $768.00 In 8-2004 - 8-2005 we paid 898.00 8-05-8-06 we paid $869.00 and they sent us $47.00 for wind insurance incentive MITIGATION. We bought storm shutters and brand new windows in 2004 and 2005 at a total of $12,696.00 In 8-20005 -8-2006 we paid $929.00 WHEN HAVE NEVER TURNED IN ANY CLAIMS! Harbor Insurance gave us a quote for $3210.00 for this year 2006-2007 and that was from Citizens Insurance Co. We shopped around for quotes from other Insurance companies: Bogie Winstead Ins.--. Agency quoted $3,088.00 Citizens Cheryl Matune Insurance --Quoted $2934.00 from Universal Property & Casualty Cheryl Matune INS. Another --Quote $3518.94 from USF&G SPECIALTY Insurance Co. Cheryl Matune INS. Another --Quote $2173.00 From Citizens this would be with a 5% hurricane deductible and $2500 for all other perils Brown Insurance & Financial Services --- Quoted $3234.oo from Citizens with a 2% hurricane deductible. WE WENT WITH UNIVERSAL PROPERTY & CASUALTY INS. THROUGH THE COMMONWEALTH INSURANCE; we are paying $2641.00 with coverage's subject to $1,000. Non-hurricane deductible per loss. And coverage's subject to $3932.00 hurricane deductible per calendar year. They also aloud us to pay half in August and the balance in October, which I really do not think I should have to pay any more &1,324.00 is a reasonable amount your one year of house Insurance IN A NON-EVACUATION ZONE WITH STOME SHUTTER AND NEW HEAVIER WINDOWS AND WE DID GET THE FLOOD INSURANCE FOR $264.00 WE ARE NOT ALLOWD TO GET ANY REBATES FROM THE GOVERNMENT SINCE WE BOUGHT THEM A YEAR BEFORE THEY GAVE OUT REBATES. THIS IS A LOSE - LOSE CITUATION.