[pcntech]

I am with State Farm. My rate from 2023 to 2024 actually went down $100.00. I opted for Ground Movement. This covers "Sink Hole" or other ground failure that is not seen....i.e. under your house. Most insurers will not cover a roof over 15 years old. You have to get a new one. I strongly advise getting whole house gutters. You cannot believe the amount of water that falls here. For what ever reason, the natural gas line in the house is in flex tubing and runs up into the attic. This is what usually causes house fire in event of lightning strike. DO NOT get the optional "Surge Protection" from Duke. They cover nothing. Better off getting quality surge protectors for computers, TVs etc. We have been fortunate the past 2 yrs. I live down by Sawgrass Grove. Have now been through 4 hurricanes and all we had is wind/rain. No damage or power outages due to storms. So coverage for lightning and resulting damage to appliances, wiring etc, wind/rain, ground disturbance, things falling from the sky (from a plane or other source. I'm from So Calif and it happens), liability for worker on your property. This raises another point. Only hire qualified contractors. A contractor will say they are licensed and insured. Yes they have a drivers license and their truck is insured. Yes this is what they do! Be sure to check that the business is licensed, insured, bonded and has workers comp. I also opted for a $1mil "Umbrella Policy" in case of suit. BTW...Seniors vs Crime is always a first place to check for contractor, etc. They have recovered over $2Mil for Villagers who were ripped off.