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Originally Posted by heartofthecountry
In my last post I mentioned that I might be opening pandora’s box when I asked for a VLS recommendation [thanks all for replying] well here we go again. . . . I know we have all been concerned about the insurance [car and home] crisis, not just in FL, but all over the country. As a person who is considering TV, I would like to hear from folks who recently have purchased and if the home insurance was difficult to obtain [on resale or new]? Hard to find a company? Was the premium shockingly high? Did it influence your decision to move to TV? We have only been looking at properties with new roofs, updated water heater and HVAC, believing that will help keep premium lower. I read an older post on the forum and some said their rates have gone up for the last few years, some drastically, some a little. Thoughts please. Thank you
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We bought a new house, we stayed with State Farm insurance as I've had it my entire life and have been happy with it. The rates are higher than they are in Tennessee and Texas, not double but maybe 50% higher.
Auto insurance was surprisingly cheap compared to what I've heard others say but again I've had them for ages and that long history seems to grant much lower rates.
I just shopped golf cart insurance and it is about 180 a year for a new cheap cart. That seemed high to me but after a couple of recent threads I'm ok with that price.
The biggest increase was the PLUP policy, I carry 2M and it was double what I've paid elsewhere. The agent said FL is much more litigious than TN or TX so that's the reason for the much higher rate.