Shopping For a New House? Written by Mike Pynnonen on 12/12/2016 9:00 AM in galt insurance, Insurance, Naples FL Homeowners Insurance, Rating factors, underwriting. It has 0 Comments. Ever wonder how much the insurance cost is on that home built in the 70's on stilts with a view of the water? You guessed it..... it's high! Well, higher than that home built in 2016 that is 8 miles inland.