Shocking Insurance News and Why are So Many Homes For Sale In The Villages

[@MarkJones-l9x]

I just wanted to take a moment to say thank you for creating such an amazing podcast! I’ve found so much joy, comfort, and inspiration in the episodes. Whether it’s through the relatable stories, the heartfelt moments, or the laughs that brighten my day, your podcast always feels like a breath of fresh air. So sorry to hear about your brother-in-law my prayers go out to him and his family for a speedy recovery.

[@stephaniewalsh67]

My theory is that people are selling because Florida has become unaffordable?

[@JERRYANDLINDA]

Don't think so.

[@caroleelder4836]

My thoughts on unaffordable it maybe for many because of HOA and homeowners insurance all depends on your finances. There is plenty of retirees that have a pension and investments and social security which is a great income. I feel the cost of living all equals out.

[@joemancurreri6635]

In fact.. in 55 + communities, there is always a huge turn over in homes.. and it comes in waves, as the owners reach an age where they want or need less house and maintenance.. here on Amelia Island we do not have inventory, since we have one very small 55+ community. To your point.. too many people came to Florida "Thinking" it was cheap to live... it is not, and why should Florida be cheap? We live in Paradise. Have all new roads and bridges, the best Beaches in America. great weather. we bike, boat, fish, kayak, walk the beach, garden, 12 months a year!

[@michaelsd284]

@@caroleelder4836 I would partially agree. The affordability challenge at this point in time is "premium" applied to home prices (not including HOA, CDD, Bonds, etc) in the Villages. This "premium" is +$40/sqft more then the equivalent homes in surrounding communities including other +55. This amounts to $40k for every 1,000 sqft of house. This is an additional uplift of +$20/sqft from the prior "premium" the Villages realized before COVID. Do not forget that other associated costs are derived from the purchase price (i.e. property tax, insurance rates & premiums, etc) not to mention mortgage interest and potential mortgage insurance. Until home prices come back to historical appreciation trends the "Villages Lifestyle Tax" will be significant. For example, the median home size in the Villages is 1,600 sqft. This means your "one-time Lifestyle Tax" is $64,000 with an annual reoccurring fee (i.e. from increased associated costs) in the neighborhood of $1,000 annually. I will not go too far down the path of how this impacts one's retirement plan, but I will advice people to spend some time and effort assessing how this will impact your plan. I ran the number through my plan and was very surprised at the long-term costs. Remember your retirement will be hopefully +20 years. Of course all of this will continue to add fodder to the debate "is it really worth it" which is purely subjective.

[@kristenschnese6980]

@@joemancurreri6635 love Amelia island wishing we were there this winter again my cousins live there .. where is the 55 community? I wasn’t aware there was one there

[@larahamilton2273]

No matter what you talk about or the “troubles” you share, listening to you helps me feel like all is right with the world!

[@JERRYANDLINDA]

Lara, that is a beautiful thing to say. thank you.

[@zzzzipy12]

Prayers for Tom & Dottie! I do have a friend that is a 20 year survivor of pancreatic cancer , she had the whippel surgery, chemo & radiation, doing great! 🙏🏻❤️🙏🏻

[@JERRYANDLINDA]

We are so glad to hear that.

[@ramblingrose6967]

A hairdresser I worked with is 7 years out of a very hard year whippel surgery and a hard year of chemotherapy . Lahey Clinic Burlington Ma .

[@robertahoffmann8820]

I will never live in Florida as I cannot take the heat! I adore the cold! TRUE!! Lol but I watch your show for pure entertainment and goodness!!! I’ve been retired 3 years!🎉

[@JERRYANDLINDA]

So glad you're enjoying the show!

[@jpfautsch]

What a beautiful family photo! It’s a perfect moment that captures the deep love and bond within your family. God Bless you all and Happy Holidays!

[@JERRYANDLINDA]

Thanks so much Janet!

[@jpfautsch]

@@JERRYANDLINDA 💕🎄🎅💕

[@nancyconca9892]

Great video as always, Jerry and Linda ❤️‼️👏🏻 So sorry the your brother in law, Tom, is so sick, Jerry 😢 My thoughts and prayers are with him and his family for a full recovery and successful treatment for his cancer 🙏❤️🙏❤️🙏❤️

[@JERRYANDLINDA]

❤❤❤❤❤

[@Moolarkey]

Hi, I'm never moving to Florida but I really enjoy your show and both of you.

[@JERRYANDLINDA]

❤❤❤❤❤

[@stevenwilburn235]

Affordability is a large concern now that insurance costs are so inflated.

[@joemancurreri6635]

the media has really jumped on the Florida insurance rates.. It's basically part of their "Florida bad" disinfo... Our insurance on a 1.5 million dollar home in NY was $5,800 per year. our coastal Florida home of 2.5 million is $7,100 per year. This is for a 5000 SF home on each... Rates are not inflated, they are related to home replacement costs and environmental factors.

[@beckyhowes]

You are right, Linda. Don't hesitate to right a wrong. Apologize when you are wrong.

[@catherineprentice5927]

Linda! You made me laugh right outloud while you were entertaining us while Jerry was busy. I live in Houston, TX and have no plans to move. I love Bubble Rap because Peter tells me what I should be doing with my house. The two of you cannot be beat….Keep up the good work…

[@JERRYANDLINDA]

❤❤❤❤❤

[@Chegles1]

I don't know what it is about your podcast that keeps us coming back and we've been watching from day one. There's something comforting in hearing about the reality of your lives in the Villages, the good, the bad and never ugly. Thanks for your efforts in allowing your audience into your lives and sharing your experiences. Have you ever thought about doing a walking video through some of the different villages in the Villages? We watch a live stream where a young man walks though the streets of Manhattan and other places. That's what gave me the idea. And you'd be getting some exercise at the same time.

[@JERRYANDLINDA]

That is a great idea. I'll add it to the list!

[@georgiadepriest44]

If you break a window or tear a screen a "responsible" golfer should pay for the repair. My opinion.

[@Cherrysmith2809]

I am one of your viewers who has no intention of moving to The Villages. I watch for entertainment because you two are so nice and fun. You are the Kelly and Mark of The Villages! 👩‍❤️‍👨 If you remember, you inspired me to look for a golf cart community in my own state of Hawaii, and I found it! I have a golf cart and secure my little six pound doggy in a doggy car seat, more of a cube, from Amazon. It was only $20. It came with straps, a harness clip and a zippered compartment in the front where I put the leash, dog bags and a collapsible water dish. If you have a small dog, I can recommend this product. And Tom, sending you heartfelt best wishes as you navigate this challenging time. 🙏🏼

[@JERRYANDLINDA]

You have it made with a golf cart community in Hawaii!

[@kathmann7402]

Love your unedited shows! So fun. My mom had pancreatic issues and lived to 93! Prayers! 🙏🏻🙏🏻

[@JERRYANDLINDA]

Thank you so much!

[@kirstenlaird5060]

I love these unedited shows! I find them very entertaining and I'm glad Jerry won't have to spend 30 hours editing.

[@JERRYANDLINDA]

Thank you Kirsten, we really appreciate that.

[@lauralampe1664]

I know cold is a relative thing. 45 degrees is cold in Central Florida. In the Chicago area most people are happy for 45 degree temperatures from December through February. 2 days ago when I took my doggie out at 7 am it was 5 degrees outside...it was a brief outing. Fortunately the Chicago area has just had about an inch of snow since mid-November, so we have been fortunate in that regard.

[@PaulaMiller-m8z]

God bless your brother-in-law. Prayers

[@MellissaDeurr]

Lots of fun. Thanks

[@whatsitlike6392]

Someone should setup car share in the Villages. You need the car twice a month for big store hauls then you could rent for road trips.

[@KathySmythe-v7n]

Thanks again for alll your videos! I wanted to comment on the golf ball thru the window -- I agree that the home owner is responsible for replacing the window (and maybe you can claim in on your homeowners policy). But I disagree with the comment that there is no reason to knock on the door and let the homeowner know. The homeowner may be on vacation - or a snowbird - or not home when it happens - and needs to know about the damage so it can get repaired. Besides, it just seems like the decent thing to do.

[@soniamoreira5003]

What a beautiful family picture. Thank you for sharing. Please give your BIL our love and let him know we will all pray for a quick recovery. I'm purchasing a funny card at lunch time to write a little note of hope for him and Dottie and to wish them a happy holiday. Love you both and all you put out on KZbin. Thank you for all your hard work.

[@JERRYANDLINDA]

❤❤❤❤❤❤❤

[@kimhollingsworth8046]

Thanks again for our Monday morning entertainment! We will get a card off to Tom in the next day or so. Praying for healing to come his way. Mustang is the only way to go! We hope to have ours in Florida when we get settled. Thanks again for all the work you put into your shows.

[@JERRYANDLINDA]

Thanks Kim and Marna!

[@lauralampe1664]

Keeping Tom & Dottie in my prayers. I will send them a card. 🙏🙏

[@nancysmall9793]

FYI....an authentic cuban sandwich has yellow mustard on it, no mayo. I love them.

[@vickiehall2439]

Prayers for Tom and your sister🙏

[@elainereisenauer4701]

Sorry to hear about your brother in law! Prayers for a recovery and return to health.

[@karen-3871]

Such a beautiful family photo, thank you for sharing that! Also, the picture from Michigan was gorgeous! I have to say, I enjoy living where we have four seasons, but realize it's not for everyone!

[@JERRYANDLINDA]

It is a beautiful picture. We love it here, though we miss our old friends.

[@Scottforyoutube]

Thanks J&L and prayers to Tom!

[@JermeyLyles]

Thanks for the content each week. Pray for your BIL and quick recovery. See ya when we get there.

[@mary-ellenharkins9822]

Sending healing strength and prayers to your BIL🙏🏼🙏🏼🙏🏼🙏🏼🙏🏼

[@elainereisenauer4701]

I like your unedited shows. Also, I agree with your thoughts on apologizing.

[@angelaterranova1577]

🙏🙏🙏prayers for Tom and Dottie. Enjoyed when they were on your show and their visit. Thanks for another great show Linda and Jerry!

[@JERRYANDLINDA]

Glad you enjoyed it Angela.

[@marylinton9509]

🙏for Tom. Will send a card. Thanks for all that u both do. Happy Monday. 🥰

[@JERRYANDLINDA]

Thank you Mary, we appreciate it!

[@profilename7977]

Many of these homes are valued at 1/2 million or more. When you factor in the increased costs of reconstruction materials & labor, and the increase in the amount of storms lately, it’s easy to see why rates are up.

[@BobWiles-k3p]

I'm praying for your brother in law

[@elliesmith7135]

Jerry & Linda Hello! I watched the insurance rate show but missed any reasons why they might be higher in the Villages. I’ll be moving there shortly but wonder if the roof composition of asphalt versus cement tie downed tiles is the reason? I have impact windows, doors and cement tile roof, 1508 sq ft house 25 miles from the ocean, and pay $1000 yearly. The quality of construction is a sticking point for me as is the high cost of the homes.

[@davidoverholt251]

Well yes, I watch Jerry and Linda for the fun of the show, and how they love the Villages in FLA.

[@randytroxell4974]

Another great videos!!! Love you 2

[@JERRYANDLINDA]

Thanks Randy, we appreciate it!

[@lindablair919]

Cuban sandwiches usually have mustard. Love them!

[@ranmantucson9421]

Hi Jerry and Linda, I absolutely love your show. Thank you for the insurance update. Honestly, I think I pay about the same as you and Linda for home insurance. Randy - Tucson, AZ

[@JERRYANDLINDA]

We’re glad you like the show!

[@FordF250Tremor]

I have two small dogs. I wrap two six foot leashes around the upright portion of the front seat. I make two loops that result in about 18 inches of leash that I then couple to the dogs harness. They sit between us and are very secure.

You should be able to find a car insurance company that will give you a reasonable annual rate if you drive only 5000 miles a year.

[@abbylea2359]

My insurance in rural Missouri jumped up also. I’m not sure why people thinks it’s just a Florida problem.

[@MarkAlderson]

Thanks for the video again! I have missed quite a few in the last couple of months, I'll try to be a little more consistent.

[@JERRYANDLINDA]

Glad you’re back!

[@kristenschnese6980]

I have a friend who is in her third years of remission from pancreatic cancer and was diagnosed in stage 4 so hopefully Tom and Dottie that will be some comfort to you people are doing better Jerry and Linda do you have your golf cart insured as well? Thanks for always bringing great content and information to those wanting to move there

[@JERRYANDLINDA]

Thanks, Kristen. Yes we do.

[@marcinasia1731]

had a 1971 plymouth sattelight sebring plus cool car

[@carlcarefor]

Usual information thank you.. On Point as usual

[@vtsnj1891]

Hi Peter, I went to Loews this week for Wet & Forget. They were out of it. The gentleman who helped me said that everyone was coming in looking for it. Lady Lakes was also out. We had to drive to Leesburg to get it. In stock there

[@virginialegault4699]

Insurance costs are a significant reason people are leaving Florida

[@Jyeagley1]

I hear it's because of grandkids.

[@PatriciaCentralFlorida]

Hello Jerry we also had homeowners insurance from The Villages. Our insurance was $1900 and went up to $2300. We are in the Village of Woodbury and only been here 14 months. We shopped around and got our Homeowners insurance through KIN for a little over $1600. Our house is 3 bedrooms and 2 baths but not as big as yours. 1400 sq ft. KIN did have to send out someone out to inspect the roof and check the inside.

[@JERRYANDLINDA]

Thank you!

[@lauriekerze3461]

Same size in Ohio, 944.

[@susansprague8781]

I’m paying 300 a month in home owners insurance in Louisville Ky. I’m ready for The Villages!

[@JERRYANDLINDA]

Hooowheee... that's steep.

[@laurakilmer8652]

Hey from a fellow Hoosier. Oh My you just mentioned us on Air. thanks you guys. Charley and Laura from Ocala. But Charley grew up near Muncie Indiana. Helped my Grandpa farm when I was young. Thanks again for mentioning us . Awe.

[@JERRYANDLINDA]

❤❤❤❤❤

[@karendjohn8803]

Love your show! Due to health issues, we probably will never get to the villages, but love learning about it. I’m staying optimistic that maybe one day we can be there, even if it’s just for a visit. Our most expensive month for birthdays is May! It’s worse than December. Many of our kids, grandkids are born all within a couple weeks of each other. We just found out grandchild #6 is coming….. in May🤪. Prayers to your brother in law & family. I will definately get a card out to him. Oh, love the word puzzle. Like how you are doing different things.

[@JERRYANDLINDA]

❤❤❤❤❤

[@JeffWeymier]

Very nice show. When you talked about seats and restraints in golf carts it reminded me of an old car I used to have. I had a 1972 Olds Cutlass with a vinyl bench seat in the front. I called it the COD seat. It stood for come over dear when you turned right. Karla would slide into me if her seatbelt was loose on that slippery vinyl. It was black and it was always good for a rear end frying when it got hot out. The meatloaf sandwich was good at Havana.

[@JERRYANDLINDA]

😆😅🤣😅😆

[@mariannemay4760]

Happy Holidays! I talked to Linda at B&B. She gave me the lowdown on PYREX vs Pyrex.

[@richardfederico9461]

That’s a good rate for homeowners Jerry

[@tbarr5722]

hello jerry and linda, you mentioned coyote on your show, alison and I saw a fox the other night on rio grande ave coming home from the spanish springs tree lighting. it's always fun to see these animals.

[@JERRYANDLINDA]

Foxes are pretty rare here, that's a real treat!

[@devangel3614]

Hope you are both feeling fine and sassy ❤

[@JERRYANDLINDA]

Yep.

[@rachelt2482]

Good morning! Love your vids, thank you! ❤

[@JERRYANDLINDA]

Glad you like them!

[@laritalovesmakeup]

Hey Jerry and Linda. We are here now. Having a fun time. We picked our floor plan and now searching for the perfect lot to build. I think we will need some good luck on that. Tonight we took a golf cart ride to look at Christmas decorations and that was lots of fun. Perfect weather. So…we hope to see y’all when we get here permanently. 🎄✨🎄✨ I still miss gismo.😢 I know y’all do too. Prayers for your family.

[@JERRYANDLINDA]

Sounds great!

[@richardfederico9461]

🙏🙏🙏 to Tom

[@lauralampe1664]

Hoping homeowner's insurance on a patio villa will be not be more than $1,500 per year. As Florida does not have a state income tax, that will help to offset the increase I will pay in homeowner's insurance. In Illinois we pay 4.95% state income tax. I do plan on working part-time after I move to The Villages.

[@distantkc]

Jay, I watch the show to be entertained, They are so fun. I will be an Okie for life.

[@JERRYANDLINDA]

❤❤❤

[@gdcapra]

That’s very reasonable for homeowners…..some coastal communities are much higher

[@sabandreson5975]

Our homeowners insurance in Minnesotastan is $2,489.

[@JERRYANDLINDA]

😲😆😆😲

[@youtubecritic5781]

Another fun show.

[@karenb324]

🙏🏼for your famiy and health issues

[@masspatriot5409]

My homeowners insurance in Massachusetts is now over $5,000!

[@dennistyler9852]

Probably because they say it’s worth $800,000 and is it really? I couldn’t pay the taxes much less a mortgage in Mass. All the best

[@joemancurreri6635]

The chill map has nothing to do with people. It's published by the Univ. of Florida for Gardeners to use in selecting plants. Fruit trees need a min. amount of temperatures at 45 degrees or below to set fruit. Hence, you should look at the "chill hours" a tree requires to set fruit along with your planting zone (9B in The Villages) the Chill map is the chill hours for the entire season. for example.. UF along with UGA have developed fruit trees like apples and peaches that require less chill hours. Look for "low Chill" fruit trees before planting.. the 500 Chill hours sounds like a lot.. but in fact it's about 3 hours of temps below 45 degrees a season.. all of these hours are at night, between dec. and feb. nothing to do with our average daytime temperatures.

[@JERRYANDLINDA]

Yes. We know.

[@lauralampe1664]

There is a real estate agent I have been following for about 4 years now on KZbin. Each week she gives an update on homes listed on the MLS in The Villages. In early 2022, that number would be 60 or so homes. Then towards the end of 2022 the number of homes for sale started a steady increase. Now in December 2024 there are approximately 540 preowned Villages homes listed on the MLS. That does not include new & preowned homes listed by Properties of The Villages. I now have a Villages MLS agent sending me listings of homes in my price range & in the locations in The Villages I specified. Right now there are about 55 homes in that category. I hope the buyer's market holds out until July, 2025 as I hope to have sold my townhouse in suburban Chicago by then.

[@MrFroglips69]

A groovy episode. Bummer that so many people are moving out, because of the higher house taxes. I wonder how many of the original cool 50+ people are still left, and how many of the homes are being purchased by huge home buying companies like Blackstone. Best of luck to you and all that remain in The Village. Please don't let the dream die.

[@paulkelly4731]

It's not only insurance cost, but also basic demographics.. as the Village Baby Boomers age, they are moving to be with younger members of the family.. their kids primarily. And there are fewer and fewer baby boomers moving to Florida..

[@richardfederico9461]

Very wrong

[@dennistyler9852]

And a lot of Generation Jones don’t have the trifecta retirement income. I prefer to rent 6 months in Florida at a seasonal place and had back to Maine for 6 months.

[@RobertSchamay]

I have played golf for 45 years and don’t think I have ever actually heard the ball hit the house when I have sprayed one left or right as I’m usually 150 to 275 yds away. As such, I wouldn’t really know if I damaged anything. If you live on a golf course as we do, you also know that’s part of the risk you take. Bob S.

[@denseycoleii8343]

@@RobertSchamay using the logic, you bought on a golf course you except liability is so off the mark. If you live by a park and something breaks your window it’s on you? Never. The person who broke it is always responsible irregardless of intent.

[@susanscavelli732]

Ppl from up north act like they live in winter for 12 months! A few months of cold and beautiful spring summer and falls totally worth it vs fl!

[@kmaynor16]

Thanks for the video! Insurance premiums are rising all over the state, and don't even try to make any claims - the company will say no and drag their feet on appeal. It's terrible, and we need the legislature to do something about it. Something effective since so far they have been ineffective. And thanks for the bubble rap! I always enjoy those.

[@JERRYANDLINDA]

We know. It’s a big problem.

[@JohnJohn-wr1jo]

The legislature and your governor got u in this mess. I wouldn't hold out any hope that they even want to fix it let alone have a clue how to. Over the next 20 years Florida residents are going to be stuck with a huge financial burden...

[@kmaynor16]

@@JohnJohn-wr1jo I couldn't agree more.

[@richardfederico9461]

The villages and Florida in general have more buyers than sellers. Buyers are still trying to get here but they’ve got to sell up north first. Population here keeps growing

[@maryprell3656]

If anyone in TV lives near a golf course or natural area and has young children or pets be on a constant lookout for coyotes. In my city Phoenix children have been bitten and many dogs and cats have been attacked and some eaten by coyotes. Coyotes can jump or scramble over backyard fences to get at pets or children. At night I have seen them travel 29:52 29:52 at least 3 blocks in neighborhoods from the open area they stay in during the day.

[@lmb4876]

Why are there so many homes for sale in The Villages? TOO many houses! Remember the law of supply and demand?

[@clagueb3686]

There are so many homes for sale because there are so few buyers.

[@Jyeagley1]

Alot of homes are older and need renovations. So new builds are popular.

[@theideaplace]

Geico tried to almost double my auto premium even though I had no violations..accidents..claims ever with them... So a friend said to call State Farm and they gave me full insurance at the old Geico price and have been with them for 2 yrs now and they don't raise it up a bunch every year like Geico did...

[@fishhawk7490]

Good morning!

[@JERRYANDLINDA]

Good morning! 👋

[@nixieandyakyak3837]

None of the 3. I’ll take the two seat AMX with the 390 and go pack.

[@brockreynolds870]

The AMX was too small for my taste, my first car was a 1974 Javelin. I miss it so much. I had it for 12 years. We were an AMC family, I owned the seventh one in my family.

[@maccar2761]

I would pick the Mustang.

[@ellasaraharetha]

My house insurance for the next year went up to nearly $3800. It is a designer around 1900 sq. ft. but the roof will be 15 years old and many insurance companies won't cover us. My property tax was $5800. I thought California was expensive but I think Florida is catching up.

[@richardfederico9461]

Shop it

[@ellasaraharetha]

@@richardfederico9461 Thanks, Richard. Will do.

[@JERRYANDLINDA]

Wow!

[@bonnietrottier3187]

Oh my-just noticed Gizmo isn’t sitting in between you 😢

[@karenb324]

Hubby and son in law both Christmas birthdays! I used to make two cakes but i do one now….nobody eat one except ME

[@JERRYANDLINDA]

😁😁😁

[@annehajdu8654]

Good mailbag Monday. Sorry youtube took your first video off.

[@JERRYANDLINDA]

Thank you!

[@puravida5683]

I avoided all those astronomical costs. I moved to Central America. Cheaper cost of living, low taxes, low healthcare costs, healthier environment, and great weather year round.

[@richardfederico9461]

I checked both the MLS and the Vls and there are about 450 homes available, out of 70,000 Not a big percentage

[@lauralampe1664]

Jana Raber is an MLS real estate agent who has had a KZbin channel for several years. On her December 11 KZbin video, she said there are currently 553 MLS homes for sale in The Villages. This number has stayed consistently over 500 every week for the past few months.

[@richardfederico9461]

@ as I am a broker but not actively engaged I would believe that number. The two most important numbers are pending and recent sold. I’m telling you that many are still selling. There’s over 73,000 homes in the villages and they’re building more

[@Jyeagley1]

Some are selling because they are moving to a second or third home in The Villages.

[@barbaraebner5889]

There are alot of homes for sale in The Villages. Due to high insurance, taxes and GOOD healthcare prevents a move for us. We stayed a month and did love our time but have to make good choices. To be fair, insurance is up all over the state of Florida.

[@BA-xj9ew]

I believe Linda is upset at Jerry often. There is no way Linda ever said anything sour that required an apology. She is sweet as pecan pie.

[@JERRYANDLINDA]

Whatever.

[@jazziez6467]

I thought Mich auto was high and just renewed my Progressive with full coverage with $500 dectible for both collision and comp for $330 for 6 months. So the property taxes are around $3,500 and the HOA is on top of that at around $2,400 a year, not counting home insurance and sink hole insurance and whatever other insurance you need in FL, totally unaffordable for most retirees today that don't have good pensions and not too great SS either.

[@richardfederico9461]

My auto insurance is 475 for 6 months. I don’t get the complaints. Shop around

[@tod3msn]

My car insurance is $1358 for the year and I am not in the Villages so your car insurance is not far off from mine.

[@MexicoBeachFloridaLiving]

Over here on the Gulf coast I'm paying over 5k for ho insurance on a 1,100sqft home. Our car insurance is 5,200 per year. almost 1,000 per month combined! BTW, we own our home but we're actively looking in SE Georgia, just across the sate line, for a home. Florida has priced us out of our own home. I wish out state gov would focus on us residents rather than national politics. We're in major Doo-Doo crisis mode and people are beginning to wake up to the serious nature of our problems. Get ready for the biggest real estate bust in FL history....

[@JERRYANDLINDA]

Wow. That is a bunch.

[@lorihamlin3604]

@@MexicoBeachFloridaLiving SW Ga here..45 minutes from Tallahassee. $1900 for 2500 sq ft house, $1000 for 2 cars liability insurance. It’s near several small towns with usual shopping but nearest large hospital is in Talla. About an hour+ from beaches but quiet low crime area. Job opportunities limited but for retirees I would think it’s a good choice. Not particularly golf cart or bike friendly but nature walks abundant. If selling my 3 br 21/2 bath home on 2 acres would sell under $170,000.

[@scottallemong5079]

Hey Jerry and Linda thank you all for the content. I have an idea. How about setting a date at Brownwood for everyone to meet and take a big group photo with people wearing Jerry and Linda shirts. Just a suggestion. Best wishes to Tom.

[@JERRYANDLINDA]

LOVE THAT IDEA! Although if no one came it would be embarrassing. 😆

[@scottallemong5079]

@@JERRYANDLINDA I think we all know that wouldn't happen!

[@AnnieHi]

Wow...your homeowners insurance is 1/2 of mine on the Treasure Coast in Florida!!! Does yours include the homestead deduction? Also we live in a golf club community and my husband broke a window; HOA told him it was the homeowner's responsibility (like you said, because they bought a house on a golf course) but hubby's a good guy and paid for it anyway.

[@janeta3509]

There is a homestead deduction for insurance? I have that for my property taxes but have never heard about it for insurance.

[@AnnieHi]

@@janeta3509lol you’re right! This is what happens when I’m up at 3am! 🤪

[@chumbawumba1959]

The fix on the home owners insurance could be obvious ... as the insurance carriers are governed similar to regulated utilities, each insurance agency should be required - at times when claims are low and profits are high - to pay into a reserve fund held by state, assuring that at times when claims are high and profits are not high (or losses)... will be used to assure no egregious rate hikes. Doing so will force the carriers themselves to have skin in the game and take same risks as their customers do ... when there are catastrophes you might not make money ... **IT IS A RISK AND IT MIGHT COST YOU MONEY** ... no more "guaranteed profits". IMHO

[@richardfederico9461]

My home owners policy is now 2400 and I shopped it

[@donnapriebe7977]

Of the three, I'll take the Mustang. BUT Dodge Challenger would be the one instead of the Charger. :)