“9700$ rate went to $1300”
I wish mine went from $9,700 down to $1,300!
But you probably meant $13,000. Yikes, that is horrendous.
Last 4 years for full coverage was
2500
3500
6500
9700
Even those rates had a $50,000 out of pocket in the event of a hurricane loss. I live 28 miles from coast. 33523
In Florida you can elect no wind coverage and pay accordingly.
Fire is covered. Theft and all other perils. Full liability at that $1300