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Joined: Aug 2007
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The insurance rate has to do with wood vs concrete, type of roof, etc. It's about fire retardancy and hurricane withstanding qualities...not so much distance to the fire company or crime, or if you have a hydrant. It might also have to do with history of insurance for older homes, and whether it has survived a hurricane.
God Bless anybody that has built a house in the last ten years, but you dont know nuttin unless your house has been through 75 mile an hour winds or a 4 foot storm surge!

Joined: May 2006
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Insurance rates are mostly based on the valuation you use.They are charged per thousand dollars of value, often set by you.

Joined: May 2006
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We didn't do storm numbers on hotels, only private homes.
Last hurricane there were 12 concrete -two damaged from foundation trouble.
They were over three hundred hardwood houses, mostly older. About ten percent were badly damaged.There were at least twenty plywood -treated pine houses mostly new. More than half were completely destroyed.
This is a village of mostly older wooden homes,many have been through 2-3 major hurricanes.2000, 1961, 1922?

Joined: Aug 2007
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Dane, please, this is the Ambergris Caye section of the message board. Stop trolling here, you are confusing people interested in Ambergris Caye. That's why we have different sites.
And you are wrong about the insurance valuation. Many people can't get reasonable insurance on wood homes on Ambergris Caye.
You are not helping.

Joined: Apr 2011
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Thanks Dane that's good information. I really didn't realize the financial contrast between the two islands. Is there a big difference price per acre.

Joined: Jun 2006
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Originally Posted by GwenA
Dane, please, this is the Ambergris Caye section of the message board. Stop trolling here, you are confusing people interested in Ambergris Caye. That's why we have different sites.
And you are wrong about the insurance valuation. Many people can't get reasonable insurance on wood homes on Ambergris Caye.
You are not helping.


shocked Whoa. Easy there Gwen.


Take the road less traveled
Joined: Aug 2007
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What was presented on this thread has confused people! There are different costs of some things between the two Islands. But some things cost the same but posters from Caye Caulker have confused the issue.
For instance insurance! Your house has to be appraised by a certified appraiser. It then is determined what the insurance rate is...you can't determine that yourself! You can't insure a shack at the level of a concrete house.
You have been given incomplete and skewed information.

Joined: Feb 2009
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There, now thats all straightened out, move on. Be nice everyone, its a nice day.


Reality is only an illusion that occurs due to a lack of alcohol
Joined: Aug 2007
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There are far fewer buildings on Caye Caulker,and far fewer concrete buildings in the ratio between wood and concrete!
Obviously cost of building is cheaper on Caye Caulker.....people aren't building as many concrete buildings.
You know it is so easy to give skewed pictures to people looking for information, by only giving them half truths and leaving out important facts.
Asking the kind of questions about cost of building,cost of insurance, whether their house has been in a hurricane, cost of living, standard of living on a message board,will give you what you deserve if you believe it.
You have to come here, spend time here, compare apples to apples, and oranges to oranges to learn how things really are in REAL TIME today.
Otherwise, you get what you deserve.

Joined: Apr 2011
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Here we were all having a good time when those Caye Caulker posters had to come over to our board make Gwen mad and ruin the good time for everyone.

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