Quote:
Originally Posted by retiredguy123
I use The Villages Insurance and, yes, they are a broker for several companies, and they are convenient. I have Progressive with them for the homeowners policy. But, I have a separate auto policy with Allstate. I think it pays to shop around for homeowners and auto policies. Having both policies with the same company is not always the best way to go. They claim to provide a multi-policy discount, but do the math. It is not always a good deal, because the advertised discount does not always add up.
Also, an umbrella policy will not add additional risk coverage. It will only increase the liability limits. You may not need an umbrella policy, if you can get a high liability limit with the individual home and auto policies.
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The villages brokers don’t add any value they push over insurance as their biggest profit margin is contents insurance not letting you know you don’t need 50-70% value of your hone. None of the companies that offer insurance in Florida will ever cover everything the way it’s done in other states.
Don’t waste your money with a villages insurance there is no added value. most people buy it because it’s convenient and they’re lazy because they don’t want to deal with the tough stuff!