Homeowners Insurance rates

[golfnut]

I am getting ready to renew my Homeowners insurance, I currently pay $745 for $205,000 on the dwelling (Block home with hip roof), $1,000 deductible, $300,000 personal liability, $1,000 deductible on sinkhole coverage, and 2% hurricane deductible. How does this stack up to what you are paying....gn

[red tail]

have you had a wind mitigation inspection yet. big discount if your house qualifies.

[golfnut]

yes premium includes wind mitigation, thanks for the heads up, how does my premium compare to yours....gn

[justanormalgirl]

have you had a wind mitigation inspection yet. big discount if your house qualifies.

What exactly is that? Is it something I have to request?

[chuckinca]

250K dwelling

500K Liab

500 (five hundred) Hurricane Deductable

1000 Deductable

Sink Hole coverage included

$578 thru La Plaza Grande AAA Ofc

[golfnut]

Thanks for the reply Chuck, I'll check with AAA tomorrow...

170+ views, Anyone else who can share their rate? ....gn

[chuckinca]

Welcome - let me know by PM if they do you any good.


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[coach]

What is the company that AAA is using? I like your rates.

[chuckinca]

You made me go look for the policy -

190K Dwelling

300K Liab

500 Deductible

ASI

[golfnut]

WOW, 402 views and one person took the time to share their experience, thanks Chuckinca......gn

[chuckinca]

You're Welcome GN

Must be mostly wanabees on TOTV!


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[Bill-n-Brillo]

FWIW - Won't be apples to apples, but here's what I've found nonetheless:

I'm getting quotes as we speak on a resale (built in '07) patio villa that we're in the midst of purchasing. Replacement cost $140k. Living in it 5 months/yr, no renters, no pets.

via Sumter Marion (actually, a part of The Villages Insurance) - underwritten by American Integrity Insurance, including hurricane and sinkhole coverage. Quoted 3 ways:
- 5% ded for hurricane, $2,500 ded for all other perils........$464/yr.
- $2,800 ded for hurricane, $1k ded for all other perils........$493/yr.
- $500 ded for hurricane, $500 ded for all other perils........$572/yr.
All the above include what they call the "Gold Package": water back-up coverage, replacement cost on contents, identity fraud coverage up to $15k, increased coverage for jewelry (up to $5k total and $1k/item), $500 for food spoilage due to power outage from a covered peril, plus some other extras.

via AAA - underwritten by Florida Family Insurance, including hurricane and sinkhole coverage.
- 2% hurricane deductible, $500 ded all other perils.............$670/yr.

I'd like to get a quote for a policy via ASI. But apparently they aren't writing any more new policies at present (at least for the area where this house is - Duval). They limit their exposure by not writing more policies in an area where they've already issued a predefined number of policies. So sorry about our luck at present with them!! :)

Hope that helps!

Bill

[ljones190]

ASI Assurance Corp

dwelling 174 k
liability 300k
medical 5k
hurricane deductible $500
Sinkhole coverage included
all other deductibles $500.00

Cost $525.00 per year for a CBS home

Hope this helps.

[chuckinca]

Very comparable to what we have with the same company with a bit higher dwelling coverage and stick built instead of CBS.

We have had the policy since 2005.


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[golfnut]

thanks for the responses, i now have more info to move forward with, thanks again....gn

[ajbrown]

I have been travelling a bit so missing my TOTV fix. Sounds like you are all set, but in case this helps:

We use ASI

Dwelling: $203000
Other Structures: $4600 (not sure what this is, maybe lanai?)
Contents coverage: $20000
Loss of Use: $20000
Liability/Medical: $300000/$5000

Deductibles:
Hurricane: 2% - $4060
All other perils: $500

I paid $571 in April 2010.

FWIW, I paid $626 in my first year (2007). Possibly because it was just after the tornado?

[Army Guy]

Sounds a little high. I have $200,000 on my CYV, concrete, hip roof with sink hole, etc. $500 deduct and I pay $475 through USAA company that does teir FL insurance. Can't remember name, but know they are in St Pete.

Army Guy

[Russ_Boston]

Can anyone provide a phone # for the AAA office mentioned? I need to get ins. in a few weeks.

Thanks,
Russ

[ajbrown]

Sounds a little high. I have $200,000 on my CYV, concrete, hip roof with sink hole, etc. $500 deduct and I pay $475 through USAA company that does teir FL insurance. Can't remember name, but know they are in St Pete.

Army Guy

Interesting. My policy gets renewed in April and will use this thread to see what options I have.

Thanks

[Bill-n-Brillo]

Can anyone provide a phone # for the AAA office mentioned? I need to get ins. in a few weeks.

Thanks,
Russ

I spoke with Bonnie Colangelo at the AAA office when I called for my quote. (352) 753-2500 x2264 I tried to reach her on Wed. and was told she was out of the office til Monday. I'm sure anyone there can help you.

Bill

[golfnut]

Russ, AAA is 753-2500, I am meeting with Dianne next week, her extension is 2238.....gn

[Russ_Boston]

Thanks, I'll give her a call.

[Army Guy]

Interesting. My policy gets renewed in April and will use this thread to see what options I have.

Thanks

Yes, if you are able to use USAA, give them a shout. Remember to ask for the Florida desk.

Army Guy

[nkrifats]

Yes, if you are able to use USAA, give them a shout. Remember to ask for the Florida desk.

Army Guy

Guess I need to give them a call. They told me they were not doing Fl for homeowners. Did you have Homeowners elsewhere with USAA?