Homeowners ins.

[ureout]

WOW.... I've had Amer. Integrity for my HO's Ins. for several years.. in 2020 the yearly premium was $675 .. in 2021 it went up to $1050 just received my 2022 premium now up to $1750 .. I have a 20 yr old Amarillo with a 4yr old roof .. time to shop around again

[MrFlorida]

Try Kin insurance, they seem to have pretty good rates, go here for a free estimate : http://ref.kin.com/michael486

[retiredguy123]

I have had Progressive with The Villages insurance for 6 years and have never had a large increase.

[rustyp]

Perhaps a substantial portion of the increases are due to rising house values. Are most of these policies "replacement cost" ?

[Bonnevie]

the increases are due to all the houses getting "free roofs" due to all the "storm damage" they have. the damage is questionable because the insurance company gives in because it's costs them more to fight it. it's fraud. I lived 3 miles from the Gulf of Mexico and we had real storms and I never saw this happening. unfortunately, those of us who choose not to do this are facing cancellations due to the age of our roofs or exorbitant raises in premiums. it's particularly galling because these people getting "free roofs" can very well afford to replace their roofs but somehow think because they've paid premiums all these years they are entitled to it.

[Babubhat]

They are saying they don’t want your business. Shop around

[jebartle]

WOW.... I've had Amer. Integrity for my HO's Ins. for several years.. in 2020 the yearly premium was $675 .. in 2021 it went up to $1050 just received my 2022 premium now up to $1750 .. I have a 20 yr old Amarillo with a 4yr old roof .. time to shop around again

Call Kin., had progressive thru Villages for 16 years, 21 yr. Ceramic tile roof (50 to 80 year roof), they wanted us to replace, went with Kin. no need for replacement, better coverage AND saved $200. 855-436-0868

[EdFNJ]

Anyone who considers "KIN" insurance just make sure the quote you are getting is not for "depreciated value" rather than "replacement value" (unless that is what you actually want) for any possible future roof replacement. They kinda "slipped that in" to my quote which started off a lot cheaper than my current provider but when put back to full replacement value was about $12 less than what I am currently paying for a 2/2 Colony and so far minimal increases over the last 2 renewals (under $25 each) which of course could change this July. Bottom line is make 100% sure you are getting "apples to apples" quotes for ANY AND ALL COVERAGES from any company you check not "apples to kumquat" quotes. The online quotes likely may not be the coverage you currently have assuming of course you want the same coverage. People just throw numbers around here in these endless insurance rate quote topics and unless you know exactly what coverages are being quoted it means nothing.

[Babubhat]

Kin wants me to call to get a quote. So much for easy online

[gatorbill1]

I have had Progressive with The Villages insurance for 6 years and have never had a large increase.

I was told Progressive does not issue sinkhole coverage by TV Ins

[retiredguy123]

I was told Progressive does not issue sinkhole coverage by TV Ins
Not true. I have sinkhole coverage with Progressive.

[kkingston57]

A little off of the subject, but people need to think very hard about increasing limits on their policies.

Currently we are in Colorado and there have been a lot of news coverage about the wildfire in Boulder. Over 90% of the houses that burned down were under insured, some were as high as 50% under insured.

[QPB0078]

I have Kin Insurance. Try them

[Suzay]

Are insurance went up also..checked into Kin,then another quote with Farmers ,went with Farmers ,it was five hundred dollars cheaper with more additional coverage. Had a wind mitigation done which brought it down substantially.

[Southw2]

[QUTOTE=ureout;2066343]WOW.... I've had Amer. Integrity for my HO's Ins. for several years.. in 2020 the yearly premium was $675 .. in 2021 it went up to $1050 just received my 2022 premium now up to $1750 .. I have a 20 yr old Amarillo with a 4yr old roof .. time to shop around again[/QUOTE]



Try Farmers insurance they are local in Leesburg, i combined my auto and home insurance and it saved me over $500 bucks.
doesnt cost anything to get a quote .

[banjobob]

Yep American Integrity is pricing themselves out of the market , we left them and went with Farmers, great coverage and rate without roof mitigation fees.

[mrf0151]

Do yourself a favor and use a reputable insurance broker. They are not owned by ONE insurance company. They shop and compare for you, to get you the best out there for your money. Lassiter-Ware Insurance Brokers are excellent. Gina helped me. First class.

Commerical & Personal Insurance - LassiterWare (http://www.lassiter-ware.com/)

[dlebuis]

We, too, had our roof replaced last year. As it was 14 years old we didn’t even approach our insurance company as we knew it was wear and tear and not a storm doing the damage. Several of our neighbors had their roofs replaced and most of them were completely paid for by insurance. I don’t understand how one can get full replacement cost on a 14 year old house. I worked at insurance agency in IL and things like that were usually prorated. Luckily our insurance rates have held steady but I can see why the rates are going up with the payouts insurance companies are making.

[DaleDivine]

Not true. I have sinkhole coverage with Progressive.

So do I...
:ohdear::ohdear:

[taruffi57]

Lassiter-Ware has told me they are currently shopping "writers", and will get back with me by 3/11/22. 11 yrs. with Tower and they are dropping me 5/11/22. L-W says they will make me replace roof, hot water heater and HVAC. At least $20K......!!!

[Rcolby7]

Try Kin insurance, they seem to have pretty good rates, go here for a free estimate : http://ref.kin.com/michael486

Kin charges me HALF of what my ins company raised rates to. Exact same coverage.

[JMintzer]

I was told Progressive does not issue sinkhole coverage by TV Ins

Not true. I have sinkhole coverage with Progressive.

So do we...

[Rose Ann Vinci Igoe]

WOW.... I've had Amer. Integrity for my HO's Ins. for several years.. in 2020 the yearly premium was $675 .. in 2021 it went up to $1050 just received my 2022 premium now up to $1750 .. I have a 20 yr old Amarillo with a 4yr old roof .. time to shop around again

that is CHEAP.... I have same ins. and its 2500....

[jrref]

I was told Progressive does not issue sinkhole coverage by TV Ins

That's becasue their coverage includes catastrophic sinkhole damage which is probably what you are going to get. You would have to pay for any other small sink hole damage.

[kennethshifrin]

All insurance companies should be checked for their financial stability and integrity. I had Allstate for all of my policies in NY and the homeowner's policy was a subsidiary of Allstate that I found out was in precarious financial shape. My Alllstate agent never advised me of this. Gave them the boot. Now I have State Farm and it is one of most financially secure companies.

[nynic]

I'm in the same boat. Went from less than a grand to about $1500 last year. Said it was due to "Irma". Right. Never heard of "Kin". Can you (or anyone) provide more details re this ins outfit. Many thanks! OldWidowLadyfromMaine

[retiredguy123]

That's becasue their coverage includes catastrophic sinkhole damage which is probably what you are going to get. You would have to pay for any other small sink hole damage.
All homeowners policies in Florida are required by law to cover damage from "Catastrophic Ground Collapse". "Sinkhole" coverage is an additional optional type of coverage that not all companies offer for all houses. It's complicated, but the basic difference is that, without sinkhole coverage, your house needs to be condemned for occupancy in order to collect on the policy. I have Progressive insurance through The Villages Insurance, and it does cover sinkhole damage. But, they may not offer sinkhole coverage for all houses.

[Sportsguy1]

We bought in The Villages last July and I shopped around with all the carriers plus The Villages Insurance. We had State Farm back in Iowa but they were much higher than everyone else I got a quote from. We went with Farmers Insurance with the agent out of Wildwood. Great coverage and the best rate!! House, car & golf cart!

[Mrfriendly]

Try Kin insurance, they seem to have pretty good rates, go here for a free estimate : http://ref.kin.com/michael486

The link you posted is not valid.

[Babubhat]

Kin would not quote without a phone call. Ended application and now get calls every few hours. Annoying

[JMEZARIC3]

WOW.... I've had Amer. Integrity for my HO's Ins. for several years.. in 2020 the yearly premium was $675 .. in 2021 it went up to $1050 just received my 2022 premium now up to $1750 .. I have a 20 yr old Amarillo with a 4yr old roof .. time to shop around again

I am in about the same boat as you. I shopped around . I am a showbird so some companies do not want me(Framers). My best rate was from The Villages Insurance(Florida Family) at $500 less then AI . Allstate had a good rate if you added auto insurance but my autos are insured in Pennsylvania which has much lower auto insurance. Most other apple to apple comparisons came in near the AI rate. Good luck.

[kkingston57]

Perhaps a substantial portion of the increases are due to rising house values. Are most of these policies "replacement cost" ?

Yes policy is for the replacement cost but the policy does have a limit You need to make sure that your house is insured for the amount that it would cost to replace the home. At todays construction cost that amount will probably be more than 20% above replacement cost in 2020. Rising house values are a different matter and considers the land value. Land value is not a factor in determining the replacement cost of the home.

Caveat. I was in the insurance business.

[keepsake]

Yes, free roofs and the rest of us pay for it. My bitch is that those of us with metal roofs are paying for your shingle roofs. My agent snapped at me -- I have a 50 year roof, he says replace it at 20 years old and we'll drop your premium by $500. What a racket.
Insurance companies need to make the shingle roof policy holders pay for this, not the rest of us.

[tophcfa]

Are insurance went up also..checked into Kin,then another quote with Farmers ,went with Farmers ,it was five hundred dollars cheaper with more additional coverage. Had a wind mitigation done which brought it down substantially.

We shopped around a couple years ago and switched to Farmers also. Stay tuned for the bait and switch, after a couple years the premiums will be jacked right back up to the levels that caused you to switch carriers.

[davem4616]

shop around. I bundled the auto and house with Triple A and found them to be apples to apples the better deal

good luck

[Babubhat]

Villages insurance cut my premium one third with another carrier. Very satisfied. Tell them on renewal to shop for you. Apparently they have many doing this

[Sabella]

the increases are due to all the houses getting "free roofs" due to all the "storm damage" they have. the damage is questionable because the insurance company gives in because it's costs them more to fight it. it's fraud. I lived 3 miles from the Gulf of Mexico and we had real storms and I never saw this happening. unfortunately, those of us who choose not to do this are facing cancellations due to the age of our roofs or exorbitant raises in premiums. it's particularly galling because these people getting "free roofs" can very well afford to replace their roofs but somehow think because they've paid premiums all these years they are entitled to it.
This has been an ongoing problem that should have been FIXED by the Florida politicians.

[dewilson58]

should have been FIXED by the Florida politicians.

:ohdear::ohdear::ohdear:

[kkingston57]

Yes, free roofs and the rest of us pay for it. My bitch is that those of us with metal roofs are paying for your shingle roofs. My agent snapped at me -- I have a 50 year roof, he says replace it at 20 years old and we'll drop your premium by $500. What a racket.
Insurance companies need to make the shingle roof policy holders pay for this, not the rest of us.

Understand your frustration. I was in the insurance business and basic concept of insurance is a sharing of the risk. There are too many variables between houses In Florida and everywhere else especially quality of construction and materials. IF you ever have a claim on your metal roof, it will cost 2x(on average) more than an asphalt shingle roof. This is less likely to occur but can happen(such as a fire). In South Florida many homeowners who have a well constructed home have opted to self insure their home for hurricanes due to high premiums and high deductibles(some policies have a 10% wind deductible).

[kkingston57]

This has been an ongoing problem that should have been FIXED by the Florida politicians.

Odds of getting this fixed are less than winning the lottery.

[Velvet]

We, too, had our roof replaced last year. As it was 14 years old we didn’t even approach our insurance company as we knew it was wear and tear and not a storm doing the damage. Several of our neighbors had their roofs replaced and most of them were completely paid for by insurance. I don’t understand how one can get full replacement cost on a 14 year old house. I worked at insurance agency in IL and things like that were usually prorated. Luckily our insurance rates have held steady but I can see why the rates are going up with the payouts insurance companies are making.

Well…the homeowners pays extra premiums (for years) for replacement cost of a similar roof (including inflation) year after year, and it is the insurance companies that say, “Your roof is almost 15 years old, and it is too old for us to insure it.” So who is driving the roof replacements? The insurance companies. And it sure is not “free” as the homeowner has been paying the premiums for it, all those years. If anything, I have sympathy for the $1000 deductible most people must pay to replace a roof that they would probably not have replaced IF the insurance company did not threaten to not insure it, in the first place.

Now to have the face to say, that you are getting a free roof - after one paid the premiums for it, by the way, have you noticed it is the insurance companies who sets the rates not the homeowner? And then to try to justify the new rate increases on the FREE roofs that they demanded you to get in the first place - just gulls me.

[Bilyclub]

That's becasue their coverage includes catastrophic sinkhole damage which is probably what you are going to get. You would have to pay for any other small sink hole damage.

Catastrophic ground collapse coverage is required in all policies issued in Florida. Does not kick in until your house is declared uninhabitable.

[Loug56]

We live in Broward county and are considering moving up early next year. Down here most homeowners are paying around $5-6K a year (some more) due to hurricane coverage. It goes up substantially every year. I have a new(er) Manufactured home and pay $4K.
With all the destruction from fires in the news, we will all be paying more eventually...

[Lottoguy]

Check out Farmers Insurance in Oxford. Very good rates. I dumped American Integrity too.

[Sabella]

All insurance companies should be checked for their financial stability and integrity. I had Allstate for all of my policies in NY and the homeowner's policy was a subsidiary of Allstate that I found out was in precarious financial shape. My Alllstate agent never advised me of this. Gave them the boot. Now I have State Farm and it is one of most financially secure companies.

I believe Kin has only been in business 2 years and has no track record regarding financial stability, etc.

[Nucky]

[QUTOTE=ureout;2066343]WOW.... I've had Amer. Integrity for my HO's Ins. for several years.. in 2020 the yearly premium was $675 .. in 2021 it went up to $1050 just received my 2022 premium now up to $1750 .. I have a 20 yr old Amarillo with a 4yr old roof .. time to shop around again



Try Farmers insurance they are local in Leesburg, i combined my auto and home insurance and it saved me over $500 bucks.
doesnt cost anything to get a quote .[/QUOTE]

My Villages Insurance Agent and another Agent from State Farm told me that the last thing you want to do is connect your Auto Insurance to your Homeowners. If you hurt someone and go through your car policy coverage then the next thing they are coming after is your house. I don't know for a fact that it's true but it sounded reasonable to me so I didn't go that route to save peanuts. Too many other ways and options to save money without taking the chance.

P.S. Kin Insurance didn't give me the warm fuzzy feeling that I was really covered well. No proof of anything wrong just my feeling is all.

[charlieo1126@gmail.com]

In a law suit they are coming after what ever they can get , it shouldn’t matter to them how they get it . I have never been told that by any agent , in fact most including villages agents have always recommended putting them together,what they told you doesn’t make any sense to me. I’m with State Farm the last couple of years my home insurance went up about $80 and my 2022 car about. $60 this year

[rjm1cc]

Try Farmers insurance they are local in Leesburg, i combined my auto and home insurance and it saved me over $500 bucks.
doesnt cost anything to get a quote .

My Villages Insurance Agent and another Agent from State Farm told me that the last thing you want to do is connect your Auto Insurance to your Homeowners. If you hurt someone and go through your car policy coverage then the next thing they are coming after is your house. I don't know for a fact that it's true but it sounded reasonable to me so I didn't go that route to save peanuts. Too many other ways and options to save money without taking the chance.

P.S. Kin Insurance didn't give me the warm fuzzy feeling that I was really covered well. No proof of anything wrong just my feeling is all.[/QUOTE]

I got the opposite advice. I get a discount having car and home with same co. But the broker did recommend to keep the golf cart with a different co. so a claim related to it would not reflect back on the home and auto insurance.

[keepsake]

Betcha the agent makes much more commission if you get two separate companies for h/o vs auto.

[Michael G.]

I believe Kin has only been in business 2 years and has no track record regarding financial stability, etc.

https://www.bbb.org/us/il/chicago/profile/insurance/kin-insurance-0654-90018428/complaints

[BlueStarAirlines]

My Villages Insurance Agent and another Agent from State Farm told me that the last thing you want to do is connect your Auto Insurance to your Homeowners. If you hurt someone and go through your car policy coverage then the next thing they are coming after is your house. I don't know for a fact that it's true but it sounded reasonable to me so I didn't go that route to save peanuts.

I think you misunderstood and is the exact opposite of what you should do. Insurance doesn't work like that...at all. The only thing remotely close is having an overall umbrella policy for home and auto. In fact, State Farm promotes bundling of home and auto and gives substantial discounts when you do. If the SF agent really said that they would be removed as an agent....

[Nucky]

Same company, two separate policies is very good. Same company with one policy covering home and the car is not good. Sorry for the confusion.

[Sabella]

Call Kin., had progressive thru Villages for 16 years, 21 yr. Ceramic tile roof (50 to 80 year roof), they wanted us to replace, went with Kin. no need for replacement, better coverage AND saved $200. 855-436-0868
Check out years in business and financial stability.

[Blueblaze]

American Integrity hiked my rate 20% and then tacked on a rider that COMPLETELY EXCLUDES my roof unless the damage is from a named storm!

Can't find another policy because nobody in FL will write a policy on a roof over 10 yrs old. What's the point in buying a new roof you don't need, just so an insurance company will buy you another one when a storm blows it away? If you can afford a new roof, why not just buy it AFTER the storm blows it away? Maybe you won't need to! I guess they're trying to tell me I should have scammed them out of roof when I had the chance! You'd think they'd REDUCE the rate for excusing themselves from the roof risk, not raise it! What a racket!

In the sane states I have lived in, like TX and OK, roofs are DEPRECIATED. That way, there's no incentive to scam the insurance company, so the insurance is affordable. Why would you want to insure a new roof you don't own, anyway? And why would you want to throw away 3/4 of the life of your roof and buy a new one, just to please an insurance company?

So dumb... just dumb.

[Babubhat]

Check Heritage insurance

Homeowners Insurance quotes with affordable rates (https://www.heritagepci.com/products/homeowners-ho3/)

[Papa_lecki]

My Villages Insurance Agent and another Agent from State Farm told me that the last thing you want to do is connect your Auto Insurance to your Homeowners. If you hurt someone and go through your car policy coverage then the next thing they are coming after is your house.

Find another agent - they told you that because two separate policies are more expensive and pay the agent a higher commission.

You can’t get paid from a home owner’s policy for a car incident. If the settlement is large enough, they could go after your home, but home owner’s wouldn’t help you.
You would want an umbrella policy to protect that liability.

[Papa_lecki]

American Integrity hiked my rate 20% and then tacked on a rider that COMPLETELY EXCLUDES my roof unless the damage is from a named storm!


That’s to protect them from the roofing scams.

[keepsake]

"COMPLETELY EXCLUDES my roof unless the damage is from a named storm!"

That means your roof is only covered with the hurricane deductible in play !!

[AZ SLIM]

Does anyone know how USAA coverage compares to other providers in this area?

[Doug17s]

I believe Kin has only been in business 2 years and has no track record regarding financial stability, etc.

Kin has been in business for over 6 years, has an A+ Better Business rating and 849 reviews of 4.76/5. They were almost half the price compared to State Farm for the same coverage. We've only had them for less than a year so we'll see what happens at renewal.

[PugMom]

Does anyone know how USAA coverage compares to other providers in this area?

all i can say is i wish i had them. this has nothing to do with roofs, but we were hit (their fault) in our car, & the other guy had USAA--they were exceptional. THEY called ME while still @ scene of the crash, & treated me better than my own ins. co. did! (Travelers.)

[Babubhat]

USAA gave me a ridiculous quote

[Blueblaze]

Does anyone know how USAA coverage compares to other providers in this area?

I went back to USAA on my primary home, and happily paid $1000/year more to fire "Frontline" after they made me buy a hot water tank I didn't need and then harassed me over tree branches from a tree I didn't own and then threatened to drop me if I didn't provide the details of some claim made by a prior-prior owner who died three years ago. I had to get my agent to write them a formal letter to inform them that I had no way of knowing what damage that dead owner had claimed, just to keep them from putting a cancellation in my insurance record. And that was after the house had already passed TWO of their own inspections, not counting the water penetration inspection I paid for when I bought the place! So I fired them. And then they refused to refund the balance, because they said they had paid out a claim, which was a complete fabrication. I threatened to report them to the insurance commission, and they finally sent me a check for all but $10 of what they owed me, I guess just to annoy me into telling everyone I meet how they treated me. In short, don't buy "Frontline" insurance.

I would love to use USAA to replace "American Integrity" on my rent house, but they won't insure short-term rentals. Yes, they are expensive, but after the way "Frontline" and "American Integrity" have treated me, do you really imagine that either one would ever actually pay a claim? I think real insurance just costs more than fake insurance.

[Blueblaze]

That’s to protect them from the roofing scams.

No kidding.

Care to hazard a guess why it costs 20% more to NOT have insurance on my roof?

[Sabella]

WOW.... I've had Amer. Integrity for my HO's Ins. for several years.. in 2020 the yearly premium was $675 .. in 2021 it went up to $1050 just received my 2022 premium now up to $1750 .. I have a 20 yr old Amarillo with a 4yr old roof .. time to shop around again

I have house insurance with Cabrillo coastal ( US coastal property & casualty company) I have sink hole coverage10% deductible, flood coverage low deductible, hurricane deductible $500. Good house coverage policy.all perils $1000. Deductible. I’m worried this company has no integrity and if I needed a serious claim I would have difficulty with them. My premium is a little high but I want complete coverage. State farms is local and has integrity but with them no sink hole , no flood and a 2% hurricane deductible. Yes I save some money but I want good coverage. Any advice appreciated and I know my house is 13 years old but no one else will give sinkhole?

[kathyspear]

I have house insurance with Cabrillo coastal ( US coastal property & casualty company) I have sink hole coverage10% deductible, flood coverage low deductible, hurricane deductible $500. Good house coverage policy.all perils $1000. Deductible. I’m worried this company has no integrity and if I needed a serious claim I would have difficulty with them. My premium is a little high but I want complete coverage. State farms is local and has integrity but with them no sink hole , no flood and a 2% hurricane deductible. Yes I save some money but I want good coverage. Any advice appreciated and I know my house is 13 years old but no one else will give sinkhole?

Why would you think Cabrillo Coastal has “no integrity”? We have home owners, auto, and umbrella policy through Allstate. They put us with Cabrillo so we would have sinkhole coverage. I don’t think Allstate would deal with some fly-by-night outfit.

That said, rates are going through the roof. First year our homeowners policy for this house was $1400. Next year, $2200. Just got the latest bill: $3100. Thanks, roof scammers!

k.

[Hardlyworking]

Not true. I have sinkhole coverage with Progressive.

Ditto. We have Progressive with sinkhole insurance. No crazy rate hikes.

[keepsake]

With progressive you've probably always had rates higher than others !!

[JMintzer]

With progressive you've probably always had rates higher than others !!

Nope. My rates were lower than those with Allstate and State Farm...

[GatorFan]

The few companies still writing in Florida are having increases.

Kin just got approved for an immediate 48%.