Home insurance costs

My mother is looking at buying an 1800 sq ft. home built in 1999 in Boynton. I need to deal with this because it is through a trust, the property value is probably around $500K

I know Zillow is entirely out there with insurance estimates. I can't believe it is only ~$120/month.

We have a Wind Mitigation Report from 2023 that is in line with what you would expect from a place build in 1999 (average to negative on ratings that insurance would want to see for discounts). My understanding is you usually need a Roof Certification report every 5 years, which I haven't seen. Maybe they didn't need one? But I assume we will need one when trying to get new insurance after purchase.

As the roof appears to be 26 years old, what is a reasonable cost to be paying currently for insurance annually? How much better will it be if we replace the roof?