We have State Farm with extra sinkhole coverage with a reasonable deductible. (Progressive also offers it but the deductible is very high. Allstate offers best rate for sinkhole. ) I believe it covers if the house itself is affected and not the grounds surrounding the house. Sinkholes occur in this area frequently.
Didn't get flood insurance. The Villages apparently has a sophisticated drainage system to avoid water flooding homes. And we're not in flood area. But my agent pretty much required the low cost coverage that covers non-flood water damage like sewer backing up.
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