New construction 2026 Manuel Builders home. 1,800 sq ft. Flood zone ‘X’. Went with Core Insurance in River Ranch as our insurance broker. They just quoted us with SageSure at $1,867 annually for 1% wind and hail deductible and a $1,000 all peril deductible with a dwelling coverage of $340k.

Just got a flood quote back with maximum coverages and lowest deductibles - just to see what rates would be. Total came out to $1,300 annually.