Post-Hurricane Homeowners Insurance

[Andrew Brazell]

I’m a Marine in pilot training and have almost had to take leave in order to find an insurance plan for my first property. I’m hoping to house hack and close on a quad this week, but the only plans I’ve been quoted are around $14k/yr. the seller had a policy through Tapco for $5k but I can’t seem to find anything close.

Is this because of the recent hurricane?

Is this unavoidable?

How long can I expect rates to be this high?

If I get a policy now, so I can close, when am I allowed to change it if I find something practical?

What are some good underwriters for the Emerald Coast/Pensacola area?

What am I not asking because I have a blind spot and this is my first purchase?