We'd had State Farm for home and auto in North Carolina before moving here. State Farm doesn't do home insurance in Florida and we were in a hurry so we grabbed the first company we found that sold home insurance in Florida. That should be a cause for regret, but we happened to go with The Villages Insurance and have been delighted with their service so far. The agents have been extremely helpful and have customized our policy on a few occasions (we changed from homeowner to landlord when we rented the house out for a year after we bought and than back to homeowner when we moved here). It also seems like the rates were competitive with anybody else. We gave them an opportunity to quote us for car insurance and they were again very helpful and gave us the coverage we wanted at a competitive price. We also shopped around for golf cart insurance and ended up going with them as well.
Note that there were no bundle discounts for us. They are insurance brokers and can sell you insurance from a number of different companies to give you the best deal. However, the best deals for home, auto and golf cart insurance ended up being from three different insurance companies.
I'd like to find fault with them because I figure, "Who needs to pay the Morse family even more than we already are giving them for the house, amenities and CDD?" but honestly they've been one of the best insurance companies we've ever dealt with. That may change if we need to submit a claim, but even then that would be through the individual companies. I feel the same about Citizens First Bank. I feel like I should be upset over their near monopoly on ATMs and locations around The Villages (which is why we opened accounts there) but every experience I've had with the banks has been overwhelmingly positive. They have great people working there, just like The Villages Insurance.
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