@Randall AlanWhat kind of insurance do you carry if you have SFR in Florida? 

Most commonly in this area it would be for boats/campers.Specific insurance?

Long-term this will likely raise insurance rates for all owners, compounding on top of sky-high current insurance rates.

If you get your insurance agent from the yellow pages, be prepared to feel like whole life insurance is a scam.  

I am in the process of buying a commercial building in Savannah, Ga and know there is a lot of discussion around “climate change premiums” in relation to insurance. 

However, you will have mortgage insurance on either loan under 20% down.

I am in foothills West of Denver specifically Clear Creek County and have been working on some insurance quotes after getting a cancellation for increased fire risk. 

I found this but I can't understand what the other costs are https://www.narpm.org/members/resources/rent-vs-sell-calculator/SFH current value: $441,000Bought for (2020 new construction): $362,000 (primary residence till Nov 2023)Mortgage balance: $218,000Interest rate: 2.375% for 15-year loan (12 years left)Annual Tax, insurance and HOA: $7,000Current rent: $2950Appreciation: Reached $441K in March 2022 and has stagnated since.

Networking will give you some people to lean on for questions and to fill in the other blanks i.e. contractors, insurance agents, inspectors, property management, etc. 

Insurance agent in Atoka, OK and insuring properties in the area regularly.