Christina Weaver talks about the state of home insurance in, Florida. May/June 2023. The rates of insurance in Florida are skyrocketing, and getting more difficult to be obtained. To understand how insurable your home is before you put it on the market. A four-point inspection is one of the easiest ways to get this. The inspection is less than $200 and tells you the life of all your major systems your roof, electrical, plumbing, and AC.