In 2011 before buying a new CYV in TV I searched this website for this very topic, who had good insurance for the lowest price. ASI Insurance, a sub of Progressive Ins had the best rates. I contacted Villages Insurance and inquired but they said ASI was not taking any new homes at this time. They selected American Integrity, which I found was a one of the bigger insurers in TV.
My original policy was for $505 in July 2011. Since then my premiums have gone up 5 times in 8 years. It went from $797 to $905 just this past year. I called AAA my car insurer and he priced AAA and they were only $20 cheaper, he then gave me a price for ASI that was $650. He said however, they required a sink hole inspection. I found out this is normally about $150, since my aim was to save money, not to spend money, I said no thanks.
I contacted Villages Insurance who had my current policy with American Integrity. She said I can get you ASI for $650 a year, I thought we had a deal and then she called back and said, they won't include sink hole insurance. She said, let me try another company we've been using a lot.
She called and said US Coastal will insure your home for $575, that's $330 cheaper than American Integrity, and it includes sink hole with only a 10% deductible where AI was 15% deductible. I said, let's do it. They sent me a policy, they had a photographer come out and take pictures outside of the home only, and I've been with them since July 5th.
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