$150,000 house in Spring Hill Florida? Perhaps $500 for just flood insurance a year, $1,000 for regular insurance a year and hurricane insurance is said to be very, very high? With little land, taxes perhaps $1,500 year ?

I pay close to 1,000 a year for very little land and a 185K house. Just a bit north of you in Jax.

Check with your insurance agent. Why are you asking us? It's not like your agent is going to honor a price that you got from some unlicensed idiot on the internet.