Soon to be there, insurance questions

[Pmount]

Finally we will arrive Monday the 12 to search for new permanent home. Could you members please offer guidance on where to purchase home owner insurance. Are there big differences in rates and if so, why. Thanks in advance for your suggestions. Hope to meet many of you soon.

Phil

[dbussone]

Allstate does not sell homeowners insurance here. The Villages Insurance company sells insurance that is reasonably priced. Do you plan to get sinkhole insurance as well on your homeowners policy?

[jnieman]

Allstate does not sell homeowners insurance here. The Villages Insurance company sells insurance that is reasonably priced. Do you plan to get sinkhole insurance as well on your homeowners policy?

Actually Allstate sells homeowner's insurance for several Florida companies, just not Allstate insurance. For example they sell Security First Insurance.

[dbussone]

Actually Allstate sells homeowner's insurance for several Florida companies, just not Allstate insurance. For example they sell Security First Insurance.


Thanks for that correction. I was referring to Allstate specifically.

[jswintberg]

My HO insurance is less than half of the quote provided by the Villages Insurance. My hurricane deductible is higher, but I will take that chance with our location and solidly built home. Check out Brown & Brown for a quote.
Brown & Brown of Florida, Inc.
1300 Citizens Blvd, Suite 100
Leesburg, FL 34748
Phone 352-787-2431 x216 or toll free 1-800-293-2431 x216
Direct Line 352-431-3007
Fax 352-787-9922
Maria.Parker@bbleesburg.com

[Schneil]

Switched from The Villages Insurance company to AAA of Florida which offered discount package for house/cars/golf cart. Same coverage/protection but much cheaper!

[T-325]

I just went with the Villages Insurance. Easy to work with and a reasonable price.

Closing on Friday!

[Count'n the days]

We also went to The Villages Insurance for our home owners, flood, and golf cart insurance. They were able to get us coverage for very reasonable rates and are convenient. We may have done better had we shopped around, but with all we had on our plate with retiring, purchasing a new home, and relocating all at once didn't want to fool with it.

[2BNTV]

Villages Insurance for car and home. Very competitive rates.

For car insurance, they send for a quote to several companies and always give you the lowest price available.

I deal with Carri Wildman in Brownwood, 352.753.2280. Very knowledgeable and pleasant to deal with.

You must compare policies, as cheaper may not be the cheapest, if something bad happens.

[jnieman]

Villages Insurance for car and home. Very competitive rates.

For car insurance, they send for a quote to several companies and always give you the lowest price available.

I deal with Carri Wildman in Brownwood, 352.753.2280. Very knowledgeable and pleasant to deal with.

You must compare policies, as cheaper may not be the cheapest, if something bad happens.

Also be sure to compare apples with apples. Make sure the policies you are comparing are the exact same thing.

[2BNTV]

Also be sure to compare apples with apples. Make sure the policies you are comparing are the exact same thing.

Exactly!!!

[jnieman]

Exactly!!!

When I moved here from Ohio for the first three years I worked at Allstate doing insurance quotes. Compare apples to apples was a quote from my old boss.

[jimbo2012]

Also there are two types of sinkhole insurance, one is next to worthless (costs less)

[CindyLouWI]

I just got a quote on sinkhole coverage. It would cost $188/per year but only pays out 10% of the value of the house. House valued at $270,000 would only be covered up to $27,000. :-(
I'm thinking it's not worth it.

[jnieman]

I just got a quote on sinkhole coverage. It would cost $188/per year but only pays out 10% of the value of the house. House valued at $270,000 would only be covered up to $27,000. :-(
I'm thinking it's not worth it.

Are you sure that's not a 10% deductible?

[CindyLouWI]

It says limit $27,000. I did send a message to the insurance agent to see if I'm reading this correctly.

[Pmount]

Thanks all! Tried to post a longer message and then it disappeared. Just done stuffing the SUV and leave for birthday party in Iowa Saturday and begin trip Sunday. Hope to find a home next week and meet many of you soon. Very helpful group!

Phil

[Phanatic Luvr]

Are you sure that's not a 10% deductible?

Just paid my yearly premium and indeed, my sinkhole coverage is 10% deductible and I pay $169.78, just for sinkhole.

[CindyLouWI]

Are you sure that's not a 10% deductible?

You are correct! I was looking at the wrong line. It is a 10% deductible. Thanks so much!:bigbow:

[Fredwms]

If you have a military connection, try USAA insurance. In California we used Hartford Insurance through AARP. Hartford does not provide homeowners insurance in Florida.

[MSGirl]

Villages Insurance. They are a brokerage and will find you the best rates.

[GatorFan]

If you are a current Allstate homeowners client you may qualify for Allstate home policy with sinkhole coverage in Florida. If not, Allstate agents write with independent homwoner's companies.

[GatorFan]

Thanks for that correction. I was referring to Allstate specifically.

Actually Allstate does offer Homeowner's home policies in Florida if you have a current Allstate home policy and qualify. Sinkhole coverage can be purchased. Allstate agents also represent many independent companies also.

[dbussone]

Actually Allstate does offer Homeowner's home policies in Florida if you have a current Allstate home policy and qualify. Sinkhole coverage can be purchased. Allstate agents also represent many independent companies also.


That must be new. 31/2 years ago not only didn't they sell Allstate homeowners insurance, they didn't sell any other homeowner insurance. I moved here as a 20 year Allstate customer, homes, autos & umbrella - whatever. This is the Allstate agency just off of CR466.

[lynn22]

If you have a military connection, try USAA insurance. In California we used Hartford Insurance through AARP. Hartford does not provide homeowners insurance in Florida.

I have USAA for auto but was told they do not serve Fl??

[asianthree]

I have USAA for auto but was told they do not serve Fl??

Call usaa every year, it's a NO this year, again

[bagboy]

From past experience, I wouldn't insure with Allstate even if it were free. We insure through the Villages Insurance and our agent is always available to answer questions by phone or in person.

[jnieman]

That must be new. 31/2 years ago not only didn't they sell Allstate homeowners insurance, they didn't sell any other homeowner insurance. I moved here as a 20 year Allstate customer, homes, autos & umbrella - whatever. This is the Allstate agency just off of CR466.

I guess I should have told you all that I was working for Allstate on 466 for several years. I had two jobs, one was to answer the phone and field insurance calls and the second was to do insurance quotes, both homeowners and auto. I usually did about 50 per week. About three quarters of those were homeowner's quotes. I did quit that job a couple of years ago and kept in touch with the owners Mike and Elaine. So I wrote Elaine an e-mail last night to ask her about what you said. Elaine's primary job was to write homeowner's policies. Here is her response:

"About homeowners insurance - Allstate per se wasn't offering Allstate homeowners insurance as they got out of the homeowner's insurance due to the hurricanes in the years prior, but we had brokered companies such as Tower Hill, Security First, Federated National, and a few others whom we wrote lots of insurance for.

Mike and Elaine retired about a year ago and the agency has been taken over by a new owner.

There is another Allstate insurance office down the road off 466 which you may have called instead of our office and got your information. We don't know what they were doing as each agency is owned independently. Our office was located next to New York Pizza in the shopping plaza next to Chengs.

[dbussone]

I guess I should have told you all that I was working for Allstate on 466 for several years. I had two jobs, one was to answer the phone and field insurance calls and the second was to do insurance quotes, both homeowners and auto. I usually did about 50 per week. About three quarters of those were homeowner's quotes. I did quit that job a couple of years ago and kept in touch with the owners Mike and Elaine. So I wrote Elaine an e-mail last night to ask her about what you said. Elaine's primary job was to write homeowner's policies. Here is her response:

"About homeowners insurance - Allstate per se wasn't offering Allstate homeowners insurance as they got out of the homeowner's insurance due to the hurricanes in the years prior, but we had brokered companies such as Tower Hill, Security First, Federated National, and a few others whom we wrote lots of insurance for.

The rumor came from AAA downtown saying that we weren't offering any at all. Needless to say, we did quite well with those companies."

Mike and Elaine retired about a year ago and the agency has been taken over by a new owner.

There is another Allstate insurance office down the road off 466 which you may have called instead of our office and got your information. We don't know what they were doing as each agency is owned independently. Our office was located next to New York Pizza in the shopping plaza next to Chengs.


Thank you so much for your reply. I was very disappointed when I learned the Allstate agency I went to did not have any alternative homeowners coverage. In fact they are the ones who referred me to TV for insurance. The office I went to was further east and close to the Publix on 466.

I really appreciate the information and wonder why they would not have referred me to the agency you worked with to "keep it in the family."

[GatorFan]

[QUOTE=dbussone;1126826]That must be new. 31/2 years ago not only didn't they sell Allstate homeowners insurance, they didn't sell any other homeowner insurance. I moved here as a 20 year Allstate customer, homes, autos & umbrella - whatever. This is the Allstate agency just off of CR466

Sorry but You were given incorrect information 3 1/2 years ago. Allstate agents have never been without homeowner's market.

[GatorFan]

Thank you so much for your reply. I was very disappointed when I learned the Allstate agency I went to did not have any alternative homeowners coverage. In fact they are the ones who referred me to TV for insurance. The office I went to was further east and close to the Publix on 466.

I really appreciate the information and wonder why they would not have referred me to the agency you worked with to "keep it in the family."

Allstate agents are independent.

[BruDon]

does any company offer insurance for a golf cart that I rent for visiting family members?

[Dave@TV]

When we first moved here we went with Brown & Brown as they worked with our existing insurance company. We then switched to AAA for Car & Home. We use Progressive (through AAA) for our golf car. AAA coverage was better and cheaper than what was available through Brown & Brown or The Villages Insurance - I brought my AAA quote to both agencies and they could not match it.

[Retiring]

I’ve been with State Farm since I was 18. Is there a State Farm in TV?

I notice The Villages Ins. is very popular. Has anyone had difficulty with a claim thru TVI? Thanks.

[GatorFan]

The Allstate office at Palm Ridge Plaza was taken over by Kevin McDonald from the original agent who left and moved back to Broward county. Kevin McDonald is one of the largest Allstate agencies in Florida as well as one of the top agencies in country and offers over 15 homeowner's companies including Allstate for existing clients who qualify. Great agents and great customer service. Kevin owns Allstate office on Hwy 441 just North of Walmart and two offices in Ocala.

[tuccillo]

Yes there is State Farm in The Villages. They have reentered the home owners insurance market. Your current State Farm agent should be able to tell you who to contact.

I’ve been with State Farm since I was 18. Is there a State Farm in TV?

I notice The Villages Ins. is very popular. Has anyone had difficulty with a claim thru TVI? Thanks.