Home-Owners Insurance

[rmd2]

Can anyone recommend a reasonable Home-Owners Insurance Company? I was with Tower Hill but now I notice they are requesting this year that we (1) in addition to paying our bill "contribute" money to the company in a separate account (2) give "power of attorney" to some financial issue of the company. I have never heard of either of these with any other companies and I can't imagine granting some company power of attorney over any aspect of my life.

[retiredguy123]

I have Progressive with The Villages Insurance. Very reasonable so far.

[grecora]

I was with Tower Hill also. I received a letter from them in June, indicating they are pulling their homeowners insurance out of Florida at the end of December this year. I had to find another insurance company. The company I went with in September indicated that i should sign up right away, because their company is rationing the number of homeowners policies they can write to 600 for their agency.

I would call Tower directly and see if is legitimate.

[Babubhat]

Why bother with a company acting like they are doing you a favor? Get other bids. Start with Progressive

[mtdjed]

Why bother with a company acting like they are doing you a favor? Get other bids. Start with Progressive

I just left Progressive thru the Villages Insurance after many years. No claims ever. My 16 YO 2000 Sq Ft home home went from $1700 in 2019, $2400 in 2020, $2700 in 2021, to over $4000 this year. Couldn't even get to talk with a Village Insurance rep unless I agreed to an appointment a week out. Cut the cord and went to Allstate. Couldn't get State Farm to quote (House roof over 15 years old). Kim wanted to cover with prorated coverage based upon roof age. Travelers not accepting new customers, etc. I was told rates higher due to roof replacements paid out and now higher since my roof over 15 years. Already got to pay for other customers roof but now have to pay for theirs and mine. What a deal.

S

[Babubhat]

I just left Progressive thru the Villages Insurance after many years. No claims ever. My 16 YO 2000 Sq Ft home home went from $1700 in 2019, $2400 in 2020, $2700 in 2021, to over $4000 this year. Couldn't even get to talk with a Village Insurance rep unless I agreed to an appointment a week out. Cut the cord and went to Allstate. Couldn't get State Farm to quote (House roof over 15 years old). Kim wanted to cover with prorated coverage based upon roof age. Travelers not accepting new customers, etc. I was told rates higher due to roof replacements paid out and now higher since my roof over 15 years. Already got to pay for other customers roof but now have to pay for theirs and mine. What a deal.

S

Just keep looking. Received assistance from villages insurance in one day this week,

I switched 3 times in 6 years. Pricing makes no sense

[Bay Kid]

Does it help get a better rate if you have a home and a rental?

[justjim]

The two hurricanes this year will not help insurance rates in Florida. The Governor has called a special legislative session to discuss insurance issues. I think 12 is the number of companies who are already pulling out of Florida. It’s a major problem if you live near the coast. Look for higher rates when you get your next homeowners bill. We are currently with Travelers through Villages Insurance.

[justjim]

Does it help get a better rate if you have a home and a rental?

I would say no from my experience.

[kkingston57]

Can anyone recommend a reasonable Home-Owners Insurance Company? I was with Tower Hill but now I notice they are requesting this year that we (1) in addition to paying our bill "contribute" money to the company in a separate account (2) give "power of attorney" to some financial issue of the company. I have never heard of either of these with any other companies and I can't imagine granting some company power of attorney over any aspect of my life.

Reasonable in Florida(especially on the coasts) is not in the dictionary. We received the same letter from Tower Hill and opted to stay with them. A lot of posters have said that they can get policies from other companies without problems. Not true for us and good for them. Suggest talking to the agent and have them explain what they asked you to sign. At this stage, be happy that you have not had a premium increase in the 2-3X range. We will all pay for the damages in the Fort Myers area.

Reasonable in Florida started to end in the coastal area of Florida after hurricane Andew in 1992. There are very few actual nationwide insurance companies in Florida.

[Bogie Shooter]

The two hurricanes this year will not help insurance rates in Florida. The Governor has called a special legislative session to discuss insurance issues. I think 12 is the number of companies who are already pulling out of Florida. It’s a major problem if you live near the coast. Look for higher rates when you get your next homeowners bill. We are currently with Travelers through Villages Insurance.

Problem is, that’s all they do is discuss…………maybe some significant action would help.

[Suzay]

Why would they request this if their pulling out of Florida?
We used them for years but last year they went from 1,200 to 1,900:no claims ,went with Farmers .last January. Same coverage was 1,050 this year it will be 1,260 dir to the hurricanes went up 18%.which is fine .everyone will be paying more when its time to renew

[villageuser]

My first thought is that this must be a scam, from someone else, NOT Tower Hill.

Regarding the home insurance situation, I’ve been looking at other insurance for our home and getting ridiculous supposedly competitive quotes of over $10,000. And I am right here, NOT in the coast. I was also told that some insurance companies have already reached their quota for Lake/Sumter counties and they’ll try again in January and see if something has changed. The insurance situation in Florida has truly gone crazy.

[westernrider75]

Why bother with a company acting like they are doing you a favor? Get other bids. Start with Progressive

We tried to get a quote from Progressive in September, they are not writing any new policies in Florida, at least at that time.

[banjobob]

Call Farmers Insurance for a quote , not State Farm , Farmers

[eeroger]

Can anyone recommend a reasonable Home-Owners Insurance Company? I was with Tower Hill but now I notice they are requesting this year that we (1) in addition to paying our bill "contribute" money to the company in a separate account (2) give "power of attorney" to some financial issue of the company. I have never heard of either of these with any other companies and I can't imagine granting some company power of attorney over any aspect of my life.
Also try AAA on 441. That is their insurance office. Ask for Sandra Siegal. She is great.

[coconutmama]

I just left Progressive thru the Villages Insurance after many years. No claims ever. My 16 YO 2000 Sq Ft home home went from $1700 in 2019, $2400 in 2020, $2700 in 2021, to over $4000 this year. Couldn't even get to talk with a Village Insurance rep unless I agreed to an appointment a week out. Cut the cord and went to Allstate. Couldn't get State Farm to quote (House roof over 15 years old). Kim wanted to cover with prorated coverage based upon roof age. Travelers not accepting new customers, etc. I was told rates higher due to roof replacements paid out and now higher since my roof over 15 years. Already got to pay for other customers roof but now have to pay for theirs and mine. What a deal.

S

We have Progressive thru Villages. Went up $100 this year. Roof 6 years old. We are satisfied so far. Paying about $1,500. No claims to date. Home a little over 2000 sq ft with good size birdcage & pool.

Since roofs last about 12-15 years here, I guess we will find out how unhappy we will be eventually…Have always felt that insurance is a legal, rip off industry. They love to take your $ but not pay out.

[bobmarc]

I have USAA....very happy with them. (so far) About $1500 for a designer.

[wheelerk99]

I switched from Tower Hill when another firm bought them out and tried raising my premium by approximately $470 (to cover costs of the merger?). Recommend Farmer’s Valentino Agency at 15268 Fishhawk Boulevard
Lithia FL 33547
United States. 813-280-5900

[Kahuna32162]

I just left Progressive thru the Villages Insurance after many years. No claims ever. My 16 YO 2000 Sq Ft home home went from $1700 in 2019, $2400 in 2020, $2700 in 2021, to over $4000 this year. Couldn't even get to talk with a Village Insurance rep unless I agreed to an appointment a week out. Cut the cord and went to Allstate. Couldn't get State Farm to quote (House roof over 15 years old). Kim wanted to cover with prorated coverage based upon roof age. Travelers not accepting new customers, etc. I was told rates higher due to roof replacements paid out and now higher since my roof over 15 years. Already got to pay for other customers roof but now have to pay for theirs and mine. What a deal.

S


We have been with Progressive for almost 7 years, 2600 sf and got a new roof with insurance. Over that time our rates have gone up a total of $112 to approx $1,200 a year. I don't understand all these posts about paying huge premiums. Do the homework and shop the rates.

[mazbarth]

I also had Tower Hill. With no claims, they increased my bill from about $1k to ober $1,600. I dropped them & went to All State, saving a few hundred dollars! And they were pretty much exact same coverage!

[Nordhagen]

Can anyone recommend a reasonable Home-Owners Insurance Company? I was with Tower Hill but now I notice they are requesting this year that we (1) in addition to paying our bill "contribute" money to the company in a separate account (2) give "power of attorney" to some financial issue of the company. I have never heard of either of these with any other companies and I can't imagine granting some company power of attorney over any aspect of my life.
I use Elly with Triton Insurance and she hooked me up with Nationwide and just received my renewal for a 2000 sq ft house. $1017 for the year. Highly recommend her and her company.

[Sunflower33]

I left villages progressive for same reason. I went with all state. Her name is Felicia she is on Main Street in wildwood. A delightful young lady took really good care of us. She bundled every thing. Golf carts cars and house. All three were less than my house insurance with tge other company with the same coverage. Can anyone recommend a reasonable Home-Owners Insurance Company? I was with Tower Hill but now I notice they are requesting this year that we (1) in addition to paying our bill "contribute" money to the company in a separate account (2) give "power of attorney" to some financial issue of the company. I have never heard of either of these with any other companies and I can't imagine granting some company power of attorney over any aspect of my life.

[toeser]

We have been with Progressive for almost 7 years, 2600 sf and got a new roof with insurance. Over that time our rates have gone up a total of $112 to approx $1,200 a year. I don't understand all these posts about paying huge premiums. Do the homework and shop the rates.

I have owned two homes in Florida totaling 15 years. Your insurance is insanely cheap. I don't know how you fell through the price-increase cracks, but consider yourself extremely lucky. My insurance went up 90% this year with zero claims.

[Battlebasset]

I don't understand why the roof issue in Florida is so hard to address. It's not like liability that could run into the millions. Seems that insurance companies could offer people larger deductibles just for the roof to reduce the insurance cost. It's a more or less fixed cost to replace a roof, and at some point, I'm going to have to replace it anyway. Why not bank the money vs paying it out in insurance premiums for coverage that I might never need to access? Too many people look at their insurance as a maintenance program.

[Karmanng]

Can anyone recommend a reasonable Home-Owners Insurance Company? I was with Tower Hill but now I notice they are requesting this year that we (1) in addition to paying our bill "contribute" money to the company in a separate account (2) give "power of attorney" to some financial issue of the company. I have never heard of either of these with any other companies and I can't imagine granting some company power of attorney over any aspect of my life.

send me your email and I can send you a link to who I used.........cg517@hotmail.com

[GATORBILL66]

Can anyone recommend a reasonable Home-Owners Insurance Company? I was with Tower Hill but now I notice they are requesting this year that we (1) in addition to paying our bill "contribute" money to the company in a separate account (2) give "power of attorney" to some financial issue of the company. I have never heard of either of these with any other companies and I can't imagine granting some company power of attorney over any aspect of my life.

I use the Allstate thru THE BASCOM AGENY. I have a great deal and little deductible on hurricane insurance in the policy also.

[GatorFan]

Abshier Insurance Agency, Call and ask for Tammy, 352-245-2423

[CoachKandSportsguy]

Does it help get a better rate if you have a home and a rental?

either you have a personal home or a rental, its not both.

insuring the house between the two, the roof will make no difference, however, the type of rental may make a difference, ie furnished or not furnished, and long term versus short term.

slumlord guy

[bassfish]

Travelers writes a lot of business in this area, not on the coast. Mine costs about a $1000 a year. Get the higher liability limits, $300000 because of all the advertising attorneys we see every night during the news programs. Also a Umbrella limits of $1,000,000 is better still.

[mpcolonel]

Good luck with progressive they just provided me with an $800 increase

[retiredguy123]

My first thought is that this must be a scam, from someone else, NOT Tower Hill.

Regarding the home insurance situation, I’ve been looking at other insurance for our home and getting ridiculous supposedly competitive quotes of over $10,000. And I am right here, NOT in the coast. I was also told that some insurance companies have already reached their quota for Lake/Sumter counties and they’ll try again in January and see if something has changed. The insurance situation in Florida has truly gone crazy.
Wow. In a way, I hope it goes to $10K, which means that I will be paying nothing.

[retiredguy123]

Has anyone gotten a quote for a fire policy instead of a homeowners policy? A fire policy will cover the house if it burns down but none of the other homeowners risks.

[PJackpot]

Can anyone recommend a reasonable Home-Owners Insurance Company? I was with Tower Hill but now I notice they are requesting this year that we (1) in addition to paying our bill "contribute" money to the company in a separate account (2) give "power of attorney" to some financial issue of the company. I have never heard of either of these with any other companies and I can't imagine granting some company power of attorney over any aspect of my life.

Southern Oaks Insurance....Home - Southern Oak Insurance (https://www.southernoak.com/)

I saved a ton with them. Went through Nsure.com

[justjim]

Has anyone gotten a quote for a fire policy instead of a homeowners policy? A fire policy will cover the house if it burns down but none of the other homeowners risks.

Not many houses burn down in TV. I can think of two in my fifteen years. Maybe I missed a few others. However, lots of other claims such as straight winds, tornado and water. I wouldn’t recommend. But to each his own.

[charlieo1126@gmail.com]

We have been with Progressive for almost 7 years, 2600 sf and got a new roof with insurance. Over that time our rates have gone up a total of $112 to approx $1,200 a year. I don't understand all these posts about paying huge premiums. Do the homework and shop the rates. I Agee with you , mine just went up $130 , so I’m at about $1,130.00, someone said $10, 000 , yikes if it ever comes to that in central fl ,the last homeowner leaving Florida should turn out the lights

[keepsake]

Since I have no mortgage I found out I can get the home owners policy without wind coverage. The house will be protected in case or fire, theft, lightning and all liabilities stay the same. Got my $7200 quote down to $1100. Anyone here with no wind coverage experience?

[keepsake]

See last post.

[Babubhat]

Since I have no mortgage I found out I can get the home owners policy without wind coverage. The house will be protected in case or fire, theft, lightning and all liabilities stay the same. Got my $7200 quote down to $1100. Anyone here with no wind coverage experience?

Wind is the biggest risk in Florida. If a window breaks or roof comes off your house in a storm you will have water damage. At that point you may need to gut the house. Risk reward not worth it.

Frontline and State Farm were reasonable last month

[Badger 2006]

Good luck with progressive they just provided me with an $800 increase

$1200 for me. I am shopping.

[Badger 2006]

I have USAA....very happy with them. (so far) About $1500 for a designer.

Heard USAA not writing new homeowners????

[Badger 2006]

I switched from Tower Hill when another firm bought them out and tried raising my premium by approximately $470 (to cover costs of the merger?). Recommend Farmer’s Valentino Agency at 15268 Fishhawk Boulevard
Lithia FL 33547
United States. 813-280-5900

I just received a $1200 increase from Progressive. Up to $3200. If I drop non-catastrophic sink hole and change Hurricane from $500 deductible to 2% it drops to $2750. Tower Hill for the adjusted coverage is $2050. These companies are all over the place! Getting more quotes next week. Seems some that raise existing customers, ie:Tower Hill in above post, will come in low to new customers. I guess this is now just like Medicare Supplements, review every year and change if necessary.

[retiredguy123]

I just received a $1200 increase from Progressive. Up to $3200. If I drop non-catastrophic sink hole and change Hurricane from $500 deductible to 2% it drops to $2750. Tower Hill for the adjusted coverage is $2050. These companies are all over the place! Getting more quotes next week. Seems some that raise existing customers, ie:Tower Hill in above post, will come in low to new customers. I guess this is now just like Medicare Supplements, review every year and change if necessary.
I just renewed my policy with Progressive for $880, which is a 6 percent increase from last year. I have sinkhole coverage, $500 hurricane deductible, and $500K liability coverage on a courtyard villa. Go figure.

[Badger 2006]

We have been with Progressive for almost 7 years, 2600 sf and got a new roof with insurance. Over that time our rates have gone up a total of $112 to approx $1,200 a year. I don't understand all these posts about paying huge premiums. Do the homework and shop the rates.

Been with Progressive long term also. Got a new roof with insurance in 2020.
2021=$1500 / 2022=$2050 /Renewal in 2023 $3200. Currently shopping. Don’t know what your coverage is but ride the wave. All these companies are all over the place with pricing.

[Catalina36]

Can anyone recommend a reasonable Home-Owners Insurance Company? I was with Tower Hill but now I notice they are requesting this year that we (1) in addition to paying our bill "contribute" money to the company in a separate account (2) give "power of attorney" to some financial issue of the company. I have never heard of either of these with any other companies and I can't imagine granting some company power of attorney over any aspect of my life.

I had a Allstate subsidary. With no claims they hit me with a hugh increase? After spending 3 days of calling home insurance companies for quotes I decided to go with Farmers Homeowners Insurance. Very happy with my choice.

[Catalina36]

I use the Allstate thru THE BASCOM AGENY. I have a great deal and little deductible on hurricane insurance in the policy also.

I know The Bascom Agency is a Allstate Rep. But to you really have Allstate or do you have a subsidiary company????

[brakey]

Wind is the biggest risk in Florida. If a window breaks or roof comes off your house in a storm you will have water damage. At that point you may need to gut the house. Risk reward not worth it.

Frontline and State Farm were reasonable last month

slimeballs at frontline just cancelled our new policy that started in October 2022.
Since they had to provide 20 days notice to cancel. The cancelled because shrubs/trees were too close to the house.

So where are they suppose to be??

[Babubhat]

Try State Farm. Insurance writing rarely makes sense. Sounds like they have foundation issues with the landscaping. Another company may not.

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

[jebartle]

I just left Progressive thru the Villages Insurance after many years. No claims ever. My 16 YO 2000 Sq Ft home home went from $1700 in 2019, $2400 in 2020, $2700 in 2021, to over $4000 this year. Couldn't even get to talk with a Village Insurance rep unless I agreed to an appointment a week out. Cut the cord and went to Allstate. Couldn't get State Farm to quote (House roof over 15 years old). Kim wanted to cover with prorated coverage based upon roof age. Travelers not accepting new customers, etc. I was told rates higher due to roof replacements paid out and now higher since my roof over 15 years. Already got to pay for other customers roof but now have to pay for theirs and mine. What a deal.

S

We also went with Allstate office in Wildwood after Kin DOUBLED premium.

[keepsake]

At #36 I posted, $1100 for no windstorm coverage.

[bimmertl]

At #36 I posted, $1100 for no windstorm coverage.

It's not possible to make any comparison to the annual premium without knowing how much coverage there is on the dwelling and what the applicable deductibles are.

[keepsake]

Home at $484000. $500 ded. No windstorm coverage. Liability at $500,000. Fire coverage, theft coverage, water pipe burst coverage. Pasco county fyi. With windstorm renewal was $7300. $1100 without. Hope that paints a better picture.

[CoachKandSportsguy]

I just left Progressive thru the Villages Insurance after many years. No claims ever. My 16 YO 2000 Sq Ft home home went from $1700 in 2019, $2400 in 2020, $2700 in 2021, to over $4000 this year. Couldn't even get to talk with a Village Insurance rep unless I agreed to an appointment a week out. Cut the cord and went to Allstate. Couldn't get State Farm to quote (House roof over 15 years old). Kim wanted to cover with prorated coverage based upon roof age. Travelers not accepting new customers, etc. I was told rates higher due to roof replacements paid out and now higher since my roof over 15 years. Already got to pay for other customers roof but now have to pay for theirs and mine. What a deal.

S

At some point, in the next 5 years, you won't be able to get any reasonably priced house insurance without replacing the roof. I would start getting quotes and start figuring out how to save/finance the total amount.

You are increasingly fighting an uphill battle, and that doesn't make sense. . .

but good luck, we all are facing the same issue as our houses age.

finance guy

[Pairadocs]

I just left Progressive thru the Villages Insurance after many years. No claims ever. My 16 YO 2000 Sq Ft home home went from $1700 in 2019, $2400 in 2020, $2700 in 2021, to over $4000 this year. Couldn't even get to talk with a Village Insurance rep unless I agreed to an appointment a week out. Cut the cord and went to Allstate. Couldn't get State Farm to quote (House roof over 15 years old). Kim wanted to cover with prorated coverage based upon roof age. Travelers not accepting new customers, etc. I was told rates higher due to roof replacements paid out and now higher since my roof over 15 years. Already got to pay for other customers roof but now have to pay for theirs and mine. What a deal.

S

If you want company in your misery, you are not alone. Almost word for word as to the amount of the rate increase, actually had a neighbor who (in a good natured way, not a nasty person at all) kept ribbing us that more than half the block (including him) now had nice new nearly free roofs thanks to us... and he urged us to get ours. We and two others refused to turn in faulty claims, and we actually had a NEW wind mit done and an inspection by an actual roof inspector. None of that matters, as you have found out. You either jump in the pool with the those who respond to the door knocking "we'll get you a free roof" people, or you suffer... just like our neighbor said we would. Such a world.

[Pairadocs]

I Agee with you , mine just went up $130 , so I’m at about $1,130.00, someone said $10, 000 , yikes if it ever comes to that in central fl ,the last homeowner leaving Florida should turn out the lights

We are with progressive for our auto, been with them for over 20 years, never had a claim. We asked about "bundling" and having all our insurance with them, and were told they don't issue home owner's insurance ?? Maybe we need to change agents ! What officer/agent do you go to ? Or did you just order off the internet site ?

[keepsake]

Bundling our auto with home owners GOT US the $7500 homeowner renewal (from $3500 in 2022)

And yet the auto went up 30% too.

[Keefelane66]

Just had an interesting discussion with friend in Naples Fl. Their Insurance Co is opting it if Florida May 31st. Insurance Agency got them a policy with Edison Insurance Company premium almost $2000 than current policy , home is pored concrete, tile roof tile 13 years with pool.
I referred them to my Agency in Clermont who also provided a policy with Edison Insurance Apples to Apples, there was a QUOTE almost $1500 less than the Naples Agency.
Moral of story your Insurance Agency is not your pal or best friend it PAYS TO SHOP AROUND.
The Insurance Agency in Clermont is Southern Insurance Group 352) 243-9000
I do not receive compensation or incentives

[Flyers999]

Been with Progressive long term also. Got a new roof with insurance in 2020.
2021=$1500 / 2022=$2050 /Renewal in 2023 $3200. Currently shopping. Don’t know what your coverage is but ride the wave. All these companies are all over the place with pricing.

But you're still ahead of the game because you got a free roof? Right?

I'm not getting up on a high horse here, I got one too, and have been unable to even get a quote from another company. I can only surmise it's because I submitted a claim.

[keepsake]

"I can only surmise it's because I submitted a claim."

Industry shares claims history with each other.

[Garywt]

I am with Tower Hill as well. Ours renews in March and I have not heard any of these things. I am sure my agent will find a replacement if needed.

[Bay Kid]

either you have a personal home or a rental, its not both.

insuring the house between the two, the roof will make no difference, however, the type of rental may make a difference, ie furnished or not furnished, and long term versus short term.

slumlord guy

By the year unfurnished, no golf cart or pets.

[DALEPQ]

Progressive just increased rate from $916 to $1883 for 2023, having no claims nor
coverage changes. Basically talked with agent, they said "too bad, so sad".
Thus, will cancel renewal with them.
So far best quote was from State Farm, no reply yet from Farmers.

[keepsake]

The renewals are legally due to be sent to you 60 days from renewal date. Watch for some of the outfits to claim they sent it to you and its buried in your spam folder !!
Another question ? With premiums doubling -- are agents commissions staying the same percentage and are agents realizing the windfall ?

[keepsake]

"Thus, will cancel renewal with them."

Immediately stop the direct withdrawal of funds. The insurance outfits will take their $$$ two months in advance. Then when you have a loss, you wait much more than two months for any dough !

[snbrafford]

I had received "roof warnings" from Cabrillo Coastal (originally got through The Villages Insurance - not sure they really look out for us) so I did a search. Could not get companies to quote due to age of roof - 12 years. I tried AAA (seen ads on TV and I'm a long time member) and they wrote me a policy. I switched my auto and umbrella policy to them too and saved some money. I pay by the year. I had rook inspected and had wind damage. AAA replaced it AND gave me a refund on the yearly premium I'd paid.

[Buckeyephan]

Prepping my late mother-in-law’s home in Lakeland for sale. Realtor claims since roof is 16 years old, insurance won’t write a policy for a new owner so we will need to replace it. She said getting insurance is a challenge. Called my State Farm agent to see if this is true. Was told they wouldn’t insure the house even with a new roof since it is 30 years old. They won’t write policies for homes built before 2002. Estimate for new roof is $13,500 from four different companies. Frustrating to say the least.

[jebartle]

Prepping my late mother-in-law’s home in Lakeland for sale. Realtor claims since roof is 16 years old, insurance won’t write a policy for a new owner so we will need to replace it. She said getting insurance is a challenge. Called my State Farm agent to see if this is true. Was told they wouldn’t insure the house even with a new roof since it is 30 years old. They won’t write policies for homes built before 2002. Estimate for new roof is $13,500 from four different companies. Frustrating to say the least.

Our home built 1999, first insur agency, the villages, rate increase, threatened no insurance unless new roof, (Spanish tile), not doing that on a roof that is 80 year roof, went with kin., $200 less same coverage, and then, here is the "Good" part, insurance doubles, next go with Allstate (Security first) in Wildwood (Ella), $400 less, I guess this will be my annual job shopping for homeowners insurance, i figure if the rates keep going down every year, they are going to owe me, lol, giggle, snort.

[HIgolfers]

Our home in TV is 5 1/2 years old. Just got our premium renewal from Progressive - 60% increase! No claims. Yeah I’ll be shopping around!

[Debfrommaine]

Just got Progressive renewal, three year old patio villa (never made a claim), $1600. Ugh

[LesPaul]

send me your email and I can send you a link to who I used.........cg517@hotmail.com

Just received my renewal from Progressive for $1836. Last year it was $1026. My home is ranch style with about 1450 square feet.
I would appreciate it if you would share your information regarding a home insurance company.
Thank you.
Richard

[Surfrat2]

Can anyone advise the difference between the catastrophic collapse and sinkhole coverage? Agents are telling me I don’t need the sinkhole coverage since I will have the catastrophic collapse. Sounds sketchy since they are two separate lines on my coverage statement.

[Dotneko]

Can anyone advise the difference between the catastrophic collapse and sinkhole coverage? Agents are telling me I don’t need the sinkhole coverage since I will have the catastrophic collapse. Sounds sketchy since they are two separate lines on my coverage statement.

Anyone else go with AAA? We just got a reasonable quote bundling home and auto. Would save us 1500 over State Farm for the same coverage.....

[retiredguy123]

Can anyone advise the difference between the catastrophic collapse and sinkhole coverage? Agents are telling me I don’t need the sinkhole coverage since I will have the catastrophic collapse. Sounds sketchy since they are two separate lines on my coverage statement.
All policies in Florida must have the catastrophic ground collapse coverage. It only pays when your house is deemed to be uninhabitable and condemned by the local Government. Sinkhole coverage is optional and will cover sinkhole damage to your house even if it is not condemned. Some insurance companies will not offer sinkhole coverage for all houses. The agents you have been talking with are not telling you the truth.

[Surfrat2]

Thank you. It’s like walking through a maze dealing with these agents