Such as shop around, request quotes and compare.
We live in Texas inland from the Gulf but still in the evac zone during a hurricane and so have to carry wind insurance as well as everything else. Even though we haven’t had a hurricane since Ike hit several years ago our rates keep climbing every year. They really stick it to property owners when it comes to rating for replacement costs. Doesn’t seem to matter which company we got a quote from or how much we increased the deductible. It wasn’t that much different.
One of the things that I discovered after Ike hit was that if you didn’t have an agent who would fight on your behalf you were totally screwed. Fortunately I do and that is worth a whole lot. How important this is in the future remains to be seen.
What do you expect to pay?