I just finished my search for coverage for our just-built Gardenia.
I received quotes from AAA, All State, Sumter-Marion, and The Villages.
Based on deductibles of $500 for all perils and 2% hurricane, rankings were: AAA, Sumter-Marion, The Villages, All State. It is noted that The Villages' quote was based on $500 hurricane deductible; their quote would've been lower had they quoted for 2% hurricane but I didn't believe that the quote would drop $210 to match AAA. Additionally, AAA limits of coverage were far superior to those of The Villages, and also to those of both other agencies.
The range was low $600, mid $600, mid $800, high $800.
The AAA premium was discounted bc I am a AAA member and also bc I bundled auto with the home.
Please note that the effects of recently passed legislative action regarding sinkhole coverage limits are being applied after this w/end. I am told that $500 deductible will no longer be available.
BTW: AAA auto quote provided 2x the coverage at almost 50% of the premium cost of my current auto insurance in SoFla.
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