Buyers expect premium finishes, so skimping on quality can hurt resale potential.

Consider places like Riverview, Brandon, or even Lakeland—these spots have great growth potential without the premium Tampa prices.

Add on the myriad of shortages to follow when rebuilding starts, carriers refusing to pay the 240% premium on lumber, which they will and have every time it happens. 

Buyers expect premium finishes, so skimping on quality can hurt resale potential.

When running your numbers, if purchasing a home that isn't new construction and less than $1MM, I would estimate 1% - 1.2% of the purchase price as your annual insurance premium. 

A policywith a higher premium may be a better deal if it does not have a wind deductible.There are many endorsements that are available on the homeowners policy.

Would you rather maintain a higher price for 4-8 weeks and look for a premium or would you rent it quicker with a lower price? 

If private companies continue to provide the insurance, I suspect we will see further increased premium costs which will need to be reflected in the rents tenants pay (all tenants: LTR, MTR, STR).  

@Bruce Woodruff did a good job with some basic numbers and it looks like a loser.Plus you are paying a premium over the average.

if you are going to do things like include utilities, or have an off street parking spot, other amenities etc, there's no reason in my mind you couldn't "charge a premium" for a premium unit/service.