Those don’t even look like anything special. And the location is amazing but also probably $$$$ to insure.
If I’m spending the equivalent of the price of a whole damn house in rent per year I better at least have the kind of house where you host all the family holidays.
You have hurricane insurance I live 2 blocks from the water in Florida and have never had hurricane insurance
Really? It was required for me when I owned a place there (2013-2017.) I was 7 miles from the coast.