BrownOut and Frank,
I am aware of the high insurance cost, the Spanish and the crime level in Miami, that is why I was looking at a different area within Florida. We bought a house for really cheep in 2009 so it is fully paid, the house is made out of cement blocks so it would be hard to catch on fire and it has bars in windows and doors so the risk of burglars is low therefore we don't have an insurance. As for the Spanish well my wife is Spanish and he mom only speaks Spanish so I am pretty much on my way to learning it.
Bryan,
On your side of the world it sounds interesting but I still have family here and specially my 22 years old son so I can not go that far.
Mike