Our home in Florida has regular homeowners insurance, hurricane insurance, flood insurance, sink hole insurance (which I admittedly didn't renew this year), and a million dollar termite bond for formosan termites only. That's the most common type of termite in our area. If we were in northeastern, central or southern florida we would have to have other types of termite bonding. There are 3-4 types of termites in those areas that are prevalent.

Our regular homeowners with hurricane was $1400 when we first moved and now it's ~$3,000, I think closer to $3400 but I would have to double check. That doesn't include the flood, sink hole, or termite. We aren't in a flood zone but it has gone from $400 a year to $575 since it's based on housing value. Our termite is just under $400 a year, which we get a couple discounts on to get it to that number. Sinkhole used to be $400 per year and now is $500 but I didn't renew that this year due to sink holes not being prevalent in our area.

Our house is also now over 6 years old. I'm fully expecting a letter about them not covering our roof fully if there is damage going forward. Many companies have gone to a percentage of the roof based on age. We have a florida only insurance. USAA was 3x more expensive when we initially looked into insurances. Most of the nationwide insurances are much more expensive as well.

I can't wait to get out of this state. It's so expensive, there are no good services in our area, our tax dollars don't go far here due to extreme corruption, they cater to tourists mostly, and it's hot as hell.

Edit: our home is a 4/2/2, 2098 sqft that we bought for $252,700 in 2016. Our same house layout on a 1/10 of an acre, sold for $500k recently. It's absurd.