I switched homeowners insurance in 2018. After purchasing a new masonry CYV in 2011, I contacted Villages Insurance, they have offices at all three squares. I went with American Integrity, I tried to get ASI (Progressive) because of the good reviews, but they wouldn't include sink hole. Initially my premiums were $505 with American Integrity.
In 2018 my bill was $985 and had never had a claim. When I checked my records, they had increased the premiums 5 times in 8 years. I had dropped USAA car insurance that same year since they had raised my premiums $120 a year when I traded in a $40,000 car for a $24,000 car. When I called them, they couldn't explain why. I went with AAA car insurance since my neighbor had them, and liked their services. When I called AAA they charged less than USAA had been charging me originally and since starting with them, they've gone done another $40 every six months. I contacted AAA about the homeowners and they were only $20 a year cheaper than American Integrity.
I then contacted my Villages Insurance Agent and said I to switch homeowners, in addition to the increases there has been numerous complaints on TOTV about them not paying claims. She checked with ASI and they were still not including sink hole. After discussing a few more names, we went with Coastal Cabrillo out of Gainesville, Florida. they were only $565, over $400 cheaper than American Integrity. My second year they went up to $619, a slight increase but not bad. The only contact I had was they sent a photographer in the beginning to photo the outside of the home.
Cabrillo Coastal General Insurance Agency – Residential property insurance for hurricane-exposed areas.