When I moved here in 2011 I contacted Villages Insurance at SS and said I was closing on such a date and I needed homeowners insurance for my CYV with sink hole and catastrophic collapse at my closing. After a couple of questions, she said I'll put you with American Integrity. The bill at closing was $505. By 2018 it was $985, and we also had no claims. I looked at past years and saw it was raised five times in 8 years.
I didn't pay the 2018 bill, instead I called Villages Insurance and said I want to switch companies and I asked about ASI. They are owned by Progressive I knew a lot of people have them. Well, they will not include sink hole, so I wrote them off. Eventually the agent suggested Cabrillo Coastal out of Gainesville.
Cabrillo Coastal included sink hole and catastrophic collapse and sink hole only had a 10% deductible with AI was 15%. She said the rate was $565, that was $400 cheaper. So I said sign me up. The second year it went up a slight amount to $619, still way ahead of AI. The only contact they made is they sent a photographer to house and he took exterior photos, nothing inside. So far so good.
Cabrillo Coastal General Insurance Agency – Residential property insurance for hurricane-exposed areas.