I have a new home here, so I haven’t faced the issue of non-renewal; however, when I was shopping for insurance prior to closing, I faced similar issues with certain companies not writing policies here, or that had a less than stellar AM Best rating.
I was pleased to find out that USAA would write a policy here and the premium was just slightly more than some B rated companies.
I also found that some of the companies that were recommended by The Villages insurance were not A. M. Best rated at all; they were rated by Demotech whom I’d never heard of before. Not suggesting that they’re bad companies, I just couldn’t find out enough about their solvency to make me feel comfortable about purchasing a policy.
At the end of the day I went with USAA. They buttoned things up nicely with Home, Auto, Golf Cart and an umbrella policy.
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