Progressive Insurance Renewal Quote - TOTAL SHOCKER!!

[DALEPQ]

Have just received the renewal notice for Home Owners Ins. from Progressive.
Have had them since 2020. Never had one claim at all.
2020 Premium- $693.; 2021-$755.; 2022- $916.; 2023 Renewal Quote $1,883. WOW!!
105% Increase, for NO changes in coverage, and NO claims. Yes, TOTAL SHOCKER!!
No doubt hurricanes have affected this!
Is this what has been happening to Home Owners Ins. in T.V. and or all FL??
What have others experienced for rate changes??
Thanks for your replies.

[Tyrone Shoelaces]

I would like to cancel and go "self insured"

[Keefelane66]

After that Special Session, Governor DeSantis signed SB 2-D which enacted pro-consumer measures to help alleviate rising insurance costs, increased insurance claim transparency, and cracked down on frivolous lawsuits which drive up costs for all Floridians.

In other words it gives the Insurance Companies a license to steal

[JohnN]

OP, mine is about like yours, not good.

[Rainger99]

Have just received the renewal notice for Home Owners Ins. from Progressive.
Have had them since 2020. Never had one claim at all.
2020 Premium- $693.; 2021-$755.; 2022- $916.; 2023 Renewal Quote $1,883. WOW!!
105% Increase, for NO changes in coverage, and NO claims. Yes, TOTAL SHOCKER!!
No doubt hurricanes have affected this!
Is this what has been happening to Home Owners Ins. in T.V. and or all FL??
What have others experienced for rate changes??
Thanks for your replies.

How old is the house?

[DALEPQ]

House is in Fernandina, built 2012, vinyl siding, 1488 s.f.

[MrFlorida]

Join the club !

[Kenswing]

Just wait until they tally up the damage in California. I fear we ain't seen NOTHING yet.

[LuvNH]

Have just received the renewal notice for Home Owners Ins. from Progressive.
Have had them since 2020. Never had one claim at all.
2020 Premium- $693.; 2021-$755.; 2022- $916.; 2023 Renewal Quote $1,883. WOW!!
105% Increase, for NO changes in coverage, and NO claims. Yes, TOTAL SHOCKER!!
No doubt hurricanes have affected this!
Is this what has been happening to Home Owners Ins. in T.V. and or all FL??

What have others experienced for rate changes??
Thanks for your replies.

I would suck it up and pay it. I have been with AAA for the past 18 yrs. Have new roof, no claims and my homeowners cost this year for 2023 is $3,376. I will pay yours if you pay mine:shocked:

[Babubhat]

Should be 1500 or less. Call villages insurance and State Farm for quotes.

The renewal quote says they don’t want your business.

[Bogie Shooter]

The dramatic increase in home values also contributes to the increase.

[starflyte1]

My courtyard villa went from $2100 to $3100 with progressive!

[Badger 2006]

Have just received the renewal notice for Home Owners Ins. from Progressive.
Have had them since 2020. Never had one claim at all.
2020 Premium- $693.; 2021-$755.; 2022- $916.; 2023 Renewal Quote $1,883. WOW!!
105% Increase, for NO changes in coverage, and NO claims. Yes, TOTAL SHOCKER!!
No doubt hurricanes have affected this!
Is this what has been happening to Home Owners Ins. in T.V. and or all FL??
What have others experienced for rate changes??
Thanks for your replies.

I have Progressive. My premium is going from $2050 to $2800. I have a 1920 sq. Foot Camillia. I also have Non Catastrophic Sink Hole coverage which has always added $400+ to the premium, and a 10% deductible for that coverage. I researched many companies to see if I could get the Non Catastrophic in the coverage and only one, State Farm would do it. With the bundle State Farm was lower for the homeowners, higher for the auto and umbrella, and lower for the golf cart. All coverage considered it came out premium wise about the same as Progressive except for one big deductible. The Non Catastrophic is only 1% with State Farm. With a home valued at $400,000 that’s a $36,000 difference in the deductible. Probably will have to review each year but for now I am now with State Farm.

[Altavia]

One disadvantage of owning an older home.

New homes can have close to $1k in discounts due to meeting there latest wind and hurricane standards.

[Michael 61]

Wow - just purchased a brand new home - went through the Villages, who signed me up with Tower Hill - $950 for the year.

[JMintzer]

Also with Progressive. Designer Aspen model...

2021 = $1050
2022 = $1200
2023 = $1360

(prices are ballpark and not exactly to the penny, as I don't have my bills in hand)

[Garywt]

Ours is going from $900 to $1200 in March.

[DAVES]

Have just received the renewal notice for Home Owners Ins. from Progressive.
Have had them since 2020. Never had one claim at all.
2020 Premium- $693.; 2021-$755.; 2022- $916.; 2023 Renewal Quote $1,883. WOW!!
105% Increase, for NO changes in coverage, and NO claims. Yes, TOTAL SHOCKER!!
No doubt hurricanes have affected this!
Is this what has been happening to Home Owners Ins. in T.V. and or all FL??
What have others experienced for rate changes??
Thanks for your replies.

Far as insurance, they go by a risk table. Not every company uses the same table. So it is wise to shop around. Since 2020, that does not matter at all. Actually they often offer better deals to new customers, to attract new business. Not just shopping other companies, might be wise to call your present company ask if it is an error? Ask why? You can lessen insurance cost by raising the deductible-you self insure smaller claims up to the deductible.

[DAVES]

I would like to cancel and go "self insured"

That is always an option. If, you have a mortgage the mortgage holder probably will not allow it. The home owners policy you pay based on the home value. You do not insure the land which will still be there if, the home is destroyed. Tied in is also liability for people suing you. Shockingly common these days.

[kitnhead]

Should be 1500 or less. Call villages insurance and State Farm for quotes.

The renewal quote says they don’t want your business.

My husband called village insurance after our car insurance went way up (no claims, no tickets). They got us a new policy for 1/2 the price.

[SkylightRoofing]

As a resident here in The Villages, a FL licensed independent adjuster (Not active in this regard just hold licenses), and a roofer (Yes, there are a handful of quality platinum original roofers that don’t solicit and respect community guidelines), the issue was mentioned above - Fraud claims across the state (FL) gave insurance carriers the power back. Billions in 3rd degree fraud loss claims filed (because neighbors told neighbors) that adjusters and claims coordinators should have never approved …Caught up to all of us. I have three properties here and it’s not easy to absorb. I can say though: I (We) saw this coming like a train coming off the tracks from afar. All the people signing an insurance contract with door knockers should have been better educated.

If there are those out there that need a roof and that are hesitant about who to turn to for free advice without any pressure: Contact Skylight Roofing Villages - Trusted, Quality Reputation, Fully Insured, No Subcontractors, and over 5000 homes replaced to Sumter, Marion, Lake County Code.

352-552-4766 or 407-790/6755

The Villages - Skylight Roofing Inc. (https://skylightroofing.com/the-villages/)

Skylight Roofing - Serving The Villages for over 15 Years

[villageuser]

House is in Fernandina, built 2012, vinyl siding, 1488 s.f.

That’s part of the problem. Insurance companies are not wanting to insure homes older than 2015, and they are rationing how many subscribers they have per area. Once they reach their limit, and some have for this area, they won’t insure more people.

[RICH1]

ACTUALLY THATS A GREAT PRICE…New Roofs make for No Free Lunches

[PennyAnn]

I would shop around. Ours went up from $,097 to $1,359 or thereabouts.

Broker - AAA on 441. Insurer - Universal.

Good luck.


Have just received the renewal notice for Home Owners Ins. from Progressive.
Have had them since 2020. Never had one claim at all.
2020 Premium- $693.; 2021-$755.; 2022- $916.; 2023 Renewal Quote $1,883. WOW!!
105% Increase, for NO changes in coverage, and NO claims. Yes, TOTAL SHOCKER!!
No doubt hurricanes have affected this!
Is this what has been happening to Home Owners Ins. in T.V. and or all FL??
What have others experienced for rate changes??
Thanks for your replies.

[Life as I know it]

Someone has to pay for your neighbors and friends free new roofs. It’s always the honest people who get stuck with the bill.

[Nordhagen]

Try Travelers with AMAC membership. Have a 1950 sq ft house. $1000.

[hoot2602]

Have just received the renewal notice for Home Owners Ins. from Progressive.
Have had them since 2020. Never had one claim at all.
2020 Premium- $693.; 2021-$755.; 2022- $916.; 2023 Renewal Quote $1,883. WOW!!
105% Increase, for NO changes in coverage, and NO claims. Yes, TOTAL SHOCKER!!
No doubt hurricanes have affected this!
Is this what has been happening to Home Owners Ins. in T.V. and or all FL??
What have others experienced for rate changes??
Thanks for your replies.I would immediately go out to at least 3 other carriers and ask them for a quote. I do this for each renewal that has such a huge increase.

[BBmac]

Should be 1500 or less. Call villages insurance and State Farm for quotes.

The renewal quote says they don’t want your business.

My insurance went from $1023 to $2120. I checked with The Villages insurance and got quotes of $3800 and $5300.

[mkjelenbaas]

Have just received the renewal notice for Home Owners Ins. from Progressive.
Have had them since 2020. Never had one claim at all.
2020 Premium- $693.; 2021-$755.; 2022- $916.; 2023 Renewal Quote $1,883. WOW!!
105% Increase, for NO changes in coverage, and NO claims. Yes, TOTAL SHOCKER!!
No doubt hurricanes have affected this!
Is this what has been happening to Home Owners Ins. in T.V. and or all FL??
What have others experienced for rate changes??
Thanks for your replies.
And I thought those that got FREE ROOFS was a good deal - unfortunately it appears we all are paying for them!!

[ROCKETMAN]

I have the villages ins agency. I have 1150;sq ft vinyl siding with a 3 year old roof and no claims. Mine went from 866 to 966 dollars a year. Have 20 per cent sink hole and 10 per cent hurricane coverage.

[hollyrich2]

Rate increases are not arbitrary. An insurance company must apply for a rate increase with the state and show proof why they must raise rates. The state approved the increase.

I can provide an Allstate quote if you’re interested. We are insuring homes built in 2011 or newer. If interested call 954-437-9220 ext. 308 or email hrichardson4@allstate.com.

[jabacon6669]

I live in the Village of Hadley. 1700s.f. concrete block. Built in 2008. My HOI was with Carbrillo Casualty. In 2021 it was 1300, in 2022 it was 1700. This year is was going to be 2700. I cancelled. went with State Far, 2100, w/ better coverage. Bundled my auto and golf cart with it for an extra $98/month. Which is cheaper than travelers (car) & Formost (golf cart) combined. Shop around. I did. Found AAA to be higher and Kin to be higher.

[bark4me]

Have just received the renewal notice for Home Owners Ins. from Progressive.
Have had them since 2020. Never had one claim at all.
2020 Premium- $693.; 2021-$755.; 2022- $916.; 2023 Renewal Quote $1,883. WOW!!
105% Increase, for NO changes in coverage, and NO claims. Yes, TOTAL SHOCKER!!
No doubt hurricanes have affected this!
Is this what has been happening to Home Owners Ins. in T.V. and or all FL??
What have others experienced for rate changes??
Thanks for your replies.
I moved from home to another new home. Had progressive at a reasonable rate for 1st home. Progressive wouldn't even think about insuring my new home. Have had Progressive on my last 2 homes in Florida with no claims. They don't care. And this is happening in ALL of Florida

[Dbraisted]

Same here with another company…..many people getting dropped….a huge problem in Florida.

[BlueHeronFan]

Join the club !

Whe had Travelers Ins for years when we lived north.
Once we moved to Florida we lasted 6months and then same type of shocker. It told me they didn't want to insure in Florida. Been with Allstate since then and very happy with it. Sink hole coverage is excellent.

[GizmoWhiskers]

After that Special Session, Governor DeSantis signed SB 2-D which enacted pro-consumer measures to help alleviate rising insurance costs, increased insurance claim transparency, and cracked down on frivolous lawsuits which drive up costs for all Floridians.

In other words it gives the Insurance Companies a license to steal

These statements above don't add up. I see no license for insurance companies to steal in here. What am I missing? He opened up competition. Lovin our Govenor DeSantis! OP get a another quote.

Senate Bill 2D, signed by Governor DeSantis today, enacts pro-consumer measures to help alleviate rising insurance costs, increases insurance claim transparency, and cracks down on frivolous lawsuits which drive up costs for all Floridians. Specific provisions to stabilize the market include:

$2 billion in reinsurance relief through the Reinsurance to Assist Policy (RAP) program to benefit policyholders over the next two years.
Requires insurance companies to file a supplemental rate filing once enrolled in the program to provide relief to policyholders.
$150 million for the My Safe Florida Home Program to provide grants to Florida homeowners for hurricane retrofitting, making homes safer and more resistant to hurricane damage, which can result in premium discounts for those who participate in the program.
Prohibiting insurance companies from denying coverage solely based on the age of a roof if the roof is less than 15 years old or if the roof is determined to have at least 5 years of useful life remaining.
Requiring insurance companies to provide policyholders with a reasonable explanation if they deny or partially deny a claim and provides consumers with greater access to information during the claim adjustment process.
Creating a new standard for application of attorney fee multipliers which have been liberally applied, resulting in increased costs to consumers.
Limiting the assignment of attorney’s fees in property insurance cases, disincentivizing frivolous claims.

[msilagy]

Size of home? Concrete or siding? Age of roof? All this makes a difference so hard to compare premiums. Not sure the above posts are relevant to your own situation.

[Captainpd]

That’s part of the problem. Insurance companies are not wanting to insure homes older than 2015, and they are rationing how many subscribers they have per area. Once they reach their limit, and some have for this area, they won’t insure more people.

And you have supporting documentation for the outrageous post. Your $200000 house is now worth $300000 and want to pay the same price to insure it. They are a business and the replacement cost have sky rocketed. Try looking at the real source of this inflation and cost of living source. You don't have to look further than that other "House".

[ithos]

After that Special Session, Governor DeSantis signed SB 2-D which enacted pro-consumer measures to help alleviate rising insurance costs, increased insurance claim transparency, and cracked down on frivolous lawsuits which drive up costs for all Floridians.

In other words it gives the Insurance Companies a license to steal

Insurance companies always have the right to not insure in FL which will happen if they have losses due to natural disasters or a onslaught of frivolous claims.

I am no expert but the legislation seems to be a good balance of both the interests of the insured and insurers.

Instead of ad hominem attacks based on politics, maybe you could provide some more specifics to justify your disparaging comment.

[Sgt Ed]

Have just received the renewal notice for Home Owners Ins. from Progressive.
Have had them since 2020. Never had one claim at all.
2020 Premium- $693.; 2021-$755.; 2022- $916.; 2023 Renewal Quote $1,883. WOW!!
105% Increase, for NO changes in coverage, and NO claims. Yes, TOTAL SHOCKER!!
No doubt hurricanes have affected this!
Is this what has been happening to Home Owners Ins. in T.V. and or all FL??
What have others experienced for rate changes??
Thanks for your replies. The exact same thing happened to me. 1st year $950, 2nd $1300, Third $1700 and The 4th they wanted 2700. I changed companies and got the exact same coverage for $1200. It pays to shop. Same for car insurance also. No more loyalties.

[G.R.I.T.S.]

Have just received the renewal notice for Home Owners Ins. from Progressive.
Have had them since 2020. Never had one claim at all.
2020 Premium- $693.; 2021-$755.; 2022- $916.; 2023 Renewal Quote $1,883. WOW!!
105% Increase, for NO changes in coverage, and NO claims. Yes, TOTAL SHOCKER!!
No doubt hurricanes have affected this!
Is this what has been happening to Home Owners Ins. in T.V. and or all FL??
What have others experienced for rate changes??
Thanks for your replies.

At least you received a renewal. We were canceled.

[JWGifford]

If you want to feel a little better, we live in Galveston, TX and pay roughly $6500/year for coverage of roughly $350k. Then add property taxes and we’re pushing $17,000 a year before we walk in the door. The Villages is looking pretty good.

[Linnberg]

Have just received the renewal notice for Home Owners Ins. from Progressive.
Have had them since 2020. Never had one claim at all.
2020 Premium- $693.; 2021-$755.; 2022- $916.; 2023 Renewal Quote $1,883. WOW!!
105% Increase, for NO changes in coverage, and NO claims. Yes, TOTAL SHOCKER!!
No doubt hurricanes have affected this!
Is this what has been happening to Home Owners Ins. in T.V. and or all FL??
What have others experienced for rate changes??
Thanks for your replies.

We were very fortunate. We have USAA and just got our renewal (including separate sink hole Coverage rider) and it just went up $300!
We did get the new roof in 2021 for just our deductible with a different insurance company.
We discovered that even being in the reserves, my husband was able to use USAA.
I would recommend anyone with military service including reserves, to check out USAA.

[OhioBuckeye]

You’re help paying for other peoples claims. I’ve never had a claim & mine has skyrocketed too. Not trying to be a wise guy but how did you think Ins. Co. stay in business, they raise everybody’s rates. Don’t think about switching, all Ins. Co. rates have gone up!

[Captainpd]

And I thought those that got FREE ROOFS was a good deal - unfortunately it appears we all are paying for them!!

Your insurance went up because of roofs?? How about the replacement cost of your house that went up 30% in one year

[Bridget Staunton]

Michael wait until next year it will more than likely double

[Burnie]

Have just received the renewal notice for Home Owners Ins. from Progressive.
Have had them since 2020. Never had one claim at all.
2020 Premium- $693.; 2021-$755.; 2022- $916.; 2023 Renewal Quote $1,883. WOW!!
105% Increase, for NO changes in coverage, and NO claims. Yes, TOTAL SHOCKER!!
No doubt hurricanes have affected this!
Is this what has been happening to Home Owners Ins. in T.V. and or all FL??
What have others experienced for rate changes??
Thanks for your replies.
After having read all the previous posts, I thought you all would be interested in my little story. Have been in this house, a Camelia, since it was built in 2004. Insurance over the years has stayed around the $1200 - $1500 per year range. However, in 2021 it went to $1814, in 2022 the amount was $2186. Received this year's bill and it is ... wait for it ... $6630!!! No "free roof" and no claims since we've been here. Progressive insurance. Had ASI until Progressive took over in 2021. Will be shopping around, of course, after I calm down.

[KsJayhawkers]

Have just received the renewal notice for Home Owners Ins. from Progressive.
Have had them since 2020. Never had one claim at all.
2020 Premium- $693.; 2021-$755.; 2022- $916.; 2023 Renewal Quote $1,883. WOW!!
105% Increase, for NO changes in coverage, and NO claims. Yes, TOTAL SHOCKER!!
No doubt hurricanes have affected this!
Is this what has been happening to Home Owners Ins. in T.V. and or all FL??
What have others experienced for rate changes??
Thanks for your replies.

My Progressive homeowners policy (ASI) renewed 12/07/22 and my premium decreased $25. Something else must be going on.

[BrianNotFromNYC]

House is in Fernandina, built 2012, vinyl siding, 1488 s.f.


10 year old roof. Until the "state" and law enforcement crack down on "free roofs" claims, you and all of us see higher premiums to pay for them. Anything 11 years old is considered a huge liability to insurers.

[BumpaOompa]

Rate increases are not arbitrary. An insurance company must apply for a rate increase with the state and show proof why they must raise rates. The state approved the increase.

I can provide an Allstate quote if you’re interested. We are insuring homes built in 2011 or newer. If interested call 954-437-9220 ext. 308 or email hrichardson4@allstate.com.

I have a 7 yr old house. Never a claim. Allstate raised my homeowners 32% after the first year. They stated rates haven’t been reset for 10 years and it won’t be that aggressive again. The next year they increased the premium 41%. I dropped them. Corrupt.

[toeser]

Have just received the renewal notice for Home Owners Ins. from Progressive.
Have had them since 2020. Never had one claim at all.
2020 Premium- $693.; 2021-$755.; 2022- $916.; 2023 Renewal Quote $1,883. WOW!!
105% Increase, for NO changes in coverage, and NO claims. Yes, TOTAL SHOCKER!!
No doubt hurricanes have affected this!
Is this what has been happening to Home Owners Ins. in T.V. and or all FL??
What have others experienced for rate changes??
Thanks for your replies.

Probably more to do with roofing scams than hurricanes. Mine went up 90%.

[Love2Swim]

These statements above don't add up. I see no license for insurance companies to steal in here. What am I missing? He opened up competition. Lovin our Govenor DeSantis! OP get a another quote.

Senate Bill 2D, signed by Governor DeSantis today, enacts pro-consumer measures to help alleviate rising insurance costs, increases insurance claim transparency, and cracks down on frivolous lawsuits which drive up costs for all Floridians. Specific provisions to stabilize the market include:

$2 billion in reinsurance relief through the Reinsurance to Assist Policy (RAP) program to benefit policyholders over the next two years.
Requires insurance companies to file a supplemental rate filing once enrolled in the program to provide relief to policyholders.
$150 million for the My Safe Florida Home Program to provide grants to Florida homeowners for hurricane retrofitting, making homes safer and more resistant to hurricane damage, which can result in premium discounts for those who participate in the program.
Prohibiting insurance companies from denying coverage solely based on the age of a roof if the roof is less than 15 years old or if the roof is determined to have at least 5 years of useful life remaining.
Requiring insurance companies to provide policyholders with a reasonable explanation if they deny or partially deny a claim and provides consumers with greater access to information during the claim adjustment process.
Creating a new standard for application of attorney fee multipliers which have been liberally applied, resulting in increased costs to consumers.
Limiting the assignment of attorney’s fees in property insurance cases, disincentivizing frivolous claims.

You're kidding, right? Nothing has changed. Look at all the people that have had their insurance almost doubled. This was predicted when the law was signed. The bill props up insurance companies solely so they will keep writing policies in Florida. There were no requirements that rates would go down. The lawmakers also set aside another $1 billion in our money as a pool that insurance companies could tap to bolster the industry . The legislation also reduces the risk that insurance companies will be sued by homeowners. These are all measures that benefit the insurance industry, not the Florida residents.

[bkgma]

Looks like you could be a victim of what I call “loyalty increases”. I was a victim of that with Liberty Mutual a while back - before the “only pay for what you need” promo. Lol - I kept telling them I didn’t need their bells and whistles.

Anyway, you stay with an insurance company, and you have auto renewals, or even if you don’t, you figure inflation or whatever and just renew - and the increases start small and then get larger as the years go by. Finally, you get smacked in the face and when you get quotes from other companies you find you can get the same thing for much less money.

But when you get other quotes, make sure you compare carefully here. Deductibles, both roof and sinkhole can be drastically different. Good luck. It’s a big cat and mouse game. I tawt I saw a puddy cat…

[Wendy]

Have just received the renewal notice for Home Owners Ins. from Progressive.
Have had them since 2020. Never had one claim at all.
2020 Premium- $693.; 2021-$755.; 2022- $916.; 2023 Renewal Quote $1,883. WOW!!
105% Increase, for NO changes in coverage, and NO claims. Yes, TOTAL SHOCKER!!
No doubt hurricanes have affected this!
Is this what has been happening to Home Owners Ins. in T.V. and or all FL??
What have others experienced for rate changes??
Thanks for your replies.

We also have Progressive and have had it many years. We have only had one claim back in 2004 for the loss of our boat in a hurricane. Our insurance just went up 70% to $1900. And our home was built in 2012. The problem is not only hurricanes but false claims, hence many insurance companies are moving out of Florida!

[pauld315]

Have just received the renewal notice for Home Owners Ins. from Progressive.
Have had them since 2020. Never had one claim at all.
2020 Premium- $693.; 2021-$755.; 2022- $916.; 2023 Renewal Quote $1,883. WOW!!
105% Increase, for NO changes in coverage, and NO claims. Yes, TOTAL SHOCKER!!
No doubt hurricanes have affected this!
Is this what has been happening to Home Owners Ins. in T.V. and or all FL??
What have others experienced for rate changes??
Thanks for your replies.

All the scammers who got free roofs really didn't get them for free. They just spread the cost out to all the other people in The Villages, kind of like socialism. From the tone of your post, I am guessing you don't like paying for other people's roofs.

[wpsabo]

Just asking.....
And why did you get a new roof by only paying the amount of the deductible?
Just asking....
p.s. I have been using USAA for over 50 years. I have asked twice for a new roof, turned down both times.

[RickyLee]

Agreed, Thank You

[Robsillup]

Yep…and in his mind, the “right” to contribute to his campaign fund. hahaha

[retiredguy123]

Have just received the renewal notice for Home Owners Ins. from Progressive.
Have had them since 2020. Never had one claim at all.
2020 Premium- $693.; 2021-$755.; 2022- $916.; 2023 Renewal Quote $1,883. WOW!!
105% Increase, for NO changes in coverage, and NO claims. Yes, TOTAL SHOCKER!!
No doubt hurricanes have affected this!
Is this what has been happening to Home Owners Ins. in T.V. and or all FL??
What have others experienced for rate changes??
Thanks for your replies.
My Progressive premium increased by 6 percent to $880. It started at about $550, 6 years ago.

[Rainger99]

The exact same thing happened to me. 1st year $950, 2nd $1300, Third $1700 and The 4th they wanted 2700. I changed companies and got the exact same coverage for $1200. It pays to shop. Same for car insurance also. No more loyalties.

What was the original insurance company and what company did you switch to?

[Karmanng]

After that Special Session, Governor DeSantis signed SB 2-D which enacted pro-consumer measures to help alleviate rising insurance costs, increased insurance claim transparency, and cracked down on frivolous lawsuits which drive up costs for all Floridians.

In other words it gives the Insurance Companies a license to steal

In other words it didnt do any good to pass a law from them to raise you this much! Sounds like it back fired

[GypsyRN]

And I thought those that got FREE ROOFS was a good deal - unfortunately it appears we all are paying for them!!
Such naivete. That's exactly what got us sane clear thinking homeowners in the present snafu!!

[Catalina36]

Have just received the renewal notice for Home Owners Ins. from Progressive.
Have had them since 2020. Never had one claim at all.
2020 Premium- $693.; 2021-$755.; 2022- $916.; 2023 Renewal Quote $1,883. WOW!!
105% Increase, for NO changes in coverage, and NO claims. Yes, TOTAL SHOCKER!!
No doubt hurricanes have affected this!
Is this what has been happening to Home Owners Ins. in T.V. and or all FL??
What have others experienced for rate changes??
Thanks for your replies.

Do you have Sink Hole Insurance?
If so it may be time to rethink the sink hole insurance. We did and dropped the SH coverage and saved a lot.

[Flyers999]

You're kidding, right? Nothing has changed. Look at all the people that have had their insurance almost doubled. This was predicted when the law was signed. The bill props up insurance companies solely so they will keep writing policies in Florida. There were no requirements that rates would go down. The lawmakers also set aside another $1 billion in our money as a pool that insurance companies could tap to bolster the industry . The legislation also reduces the risk that insurance companies will be sued by homeowners. These are all measures that benefit the insurance industry, not the Florida residents.

Hurricanes Nicole and Ian caused over $50 billion in damages to Florida. Ian was the deadliest storm in Florida in nearly 90 years.

If Florida keeps getting storms like that, $1 billion from the state isn't going to help much.

[Burnie]

2004 Camilia in BonnyBrook owned by us since it was built ... no insurance claims, no "free roof". Had ASI insurance until 2020 when Progressive Insurance took over.

ASI premiums started at $591 (new house) and increased over the years to $1445 in 2020.

Then Progressive took over:
2021 $1814
2022 $2186
2023 $6630 (note that is three times the previous year)

I went ballistic of course and checked with the agency to be sure it wasn't some kind of error or scam, only to be "reassured" that the amount was correct.
Obviously, I'm going to shop around but my blood pressure is still up, especially after reading posts in this string that show most increases to be no more than 10 or 15 percent. The premium is due March 5th.

[Badger 2006]

I have the villages ins agency. I have 1150;sq ft vinyl siding with a 3 year old roof and no claims. Mine went from 866 to 966 dollars a year. Have 20 per cent sink hole and 10 per cent hurricane coverage.

If I understand your deductibles, and as a home value guess here at $300,000, your deductible for sink hole damage would be $60,000 and hurricane damage $30,000. Don’t know what your liability coverages are but the super high deductibles are most likely why your premiums are so low.

[Badger 2006]

My Progressive premium increased by 6 percent to $880. It started at about $550, 6 years ago.

Meaningless unless coverage details are included.

[Badger 2006]

Do you have Sink Hole Insurance?
If so it may be time to rethink the sink hole insurance. We did and dropped the SH coverage and saved a lot.

Until you get a non catastrophic sink hole issue that can be easily be 20 to 50 thousand dollars and more. Many sink hole issues in The Villages. Insurance for me is to protect against the major $$$$ issues. Depends what your risk tolerance is.

[Babubhat]

Higher interest rates help insurance companies. There are companies writing at a fair price but you have to put effort into it. Have multiple homes and no issues. Did not take more than an hour of time.

Work the phone, villages insurance and websites

[retiredguy123]

Meaningless unless coverage details are included.
$236K dwelling coverage, $500K liability, sinkhole coverage with 10 percent deductible, hurricane deductible is $500. Sewer backup coverage included.

[DALEPQ]

Thanks for all your replies.
Definitely looking for other coverage quotes.
Thanks again.

[Babubhat]

Frontline, heritage and State Farm offered fair rates two months ago to me

[Lynnesail]

As a resident here in The Villages, a FL licensed independent adjuster (Not active in this regard just hold licenses), and a roofer (Yes, there are a handful of quality platinum original roofers that don’t solicit and respect community guidelines), the issue was mentioned above - Fraud claims across the state (FL) gave insurance carriers the power back. Billions in 3rd degree fraud loss claims filed (because neighbors told neighbors) that adjusters and claims coordinators should have never approved …Caught up to all of us. I have three properties here and it’s not easy to absorb. I can say though: I (We) saw this coming like a train coming off the tracks from afar. All the people signing an insurance contract with door knockers should have been better educated.

If there are those out there that need a roof and that are hesitant about who to turn to for free advice without any pressure: Contact Skylight Roofing Villages - Trusted, Quality Reputation, Fully Insured, No Subcontractors, and over 5000 homes replaced to Sumter, Marion, Lake County Code.

352-552-4766 or 407-790/6755

The Villages - Skylight Roofing Inc. (https://skylightroofing.com/the-villages/)

Skylight Roofing - Serving The Villages for over 15 Years
But why did the insurance companies approve these claim’s and then penalize US?

[RickyLee]

please define "Ad Hominem", for those of us that are more educatedly challenged ! 😊😂🤣

[rmd2]

Wow - just purchased a brand new home - went through the Villages, who signed me up with Tower Hill - $950 for the year.

I have Tower Hill and they raised mine from $900 to $1300. Can you put me in touch with the person who you got the quote from?
Thanks!

[msilagy]

People saying they have had no claims? That does not matter. You are paying for all the other claims that insurance company has absorbed. After Ian this is to be expected in Florida. Imagine the rates those on the gulf and Atlantic will pay.

[jcgrether]

[QUOTE=Lynnesail;2176281]But why did the insurance companies approve these claim’s and then penalize US?[/QUOTE

The insurance companies don’t want to pay fraudulent roof claims. However it costs them more in legal fees to fight, than it does to replace the roof. The attorneys know this and leverage that knowledge to get their fees and the homeowner a new roof. In time, the new law DeSantis signed should help, but it doesn’t change overnight. Rate increases we are now seeing were approved by the state LONG before this new law was passed and has nothing to do with the new law, nor does it give insurance companies the ability to screw with customers. A little common sense knowledge about capital markets would answer many of these complaints.
I don’t like rate increases either. My Progressive policy is slated to increase from $1900 to $2900 in March….but if we were closer to the coast it would be many multiples of that, if we could get it at all.

[JGibson]

They know TV residents have deep pockets. Would like to see a comparison to a area with a lower median income.

[GatorFan]

Give Emery Abshier Allstate Agency a call. Very friendly, hometown agency that works hard for their clients. Tammy is an awesome agent and will take good care of you. 352-245-2423. No obligation but I guarantee you that you will be very pleased with the service you receive.

[StoneyZ]

Yes Minnesota too. My Minnesota home went from around $1600 to 2400 ..no changes but when I called they told me it was do to inflation and the costs to rebuilt for lumber, etc.


this last QUOTE=DALEPQ;2175733]Have just received the renewal notice for Home Owners Ins. from Progressive.
Have had them since 2020. Never had one claim at all.
2020 Premium- $693.; 2021-$755.; 2022- $916.; 2023 Renewal Quote $1,883. WOW!!
105% Increase, for NO changes in coverage, and NO claims. Yes, TOTAL SHOCKER!!
No doubt hurricanes have affected this!
Is this what has been happening to Home Owners Ins. in T.V. and or all FL??
What have others experienced for rate changes??
Thanks for your replies.[/QUOTE]

[Burnie]

2004 Camilia in BonnyBrook owned by us since it was built ... no insurance claims, no "free roof". Had ASI insurance until 2020 when Progressive Insurance took over.

ASI premiums started at $591 (new house) and increased over the years to $1445 in 2020.

Then Progressive took over:
2021 $1814
2022 $2186
2023 $6630 (note that is three times the previous year)

I went ballistic of course and checked with the agency to be sure it wasn't some kind of error or scam, only to be "reassured" that the amount was correct.
Obviously, I'm going to shop around but my blood pressure is still up, especially after reading posts in this string that show most increases to be no more than 10 or 15 percent. The premium is due March 5th.

[Linnberg]

Just asking.....
And why did you get a new roof by only paying the amount of the deductible?
Just asking....
p.s. I have been using USAA for over 50 years. I have asked twice for a new roof, turned down both times.
Previous insurance company agreed it was needed.

[OhioBuckeye]

Any claim you turn in will raise everyone’s rates!

[RIpswich]

Premier Naches home. Last year insurance with AAA cost for home with 2 cars $6,220. Just received bill for 2023 - $12,339. Had AAA for over 10 years, never a claim of any sort. :confused:

[Bill14564]

But why did the insurance companies approve these claim’s and then penalize US?

Usually because the company understands it is easier and cheaper to pay the claim than to be sued by the homeowner or the contractor and then pay both court costs and the claim.

We are not being "penalized" we are being asked to pay an amount that covers the cost of the claims in previous years and the risk that there will be more of the same claims in future years. If we make a legitimate claim in the future we want the company to have enough cash to pay our claim; the rising rates are what the company has determined it needs to be sure it can do that.

[newgirl]

Not for long..

[newgirl]

What is a amac membership?

[newgirl]

Wow, this is a first !

[newgirl]

Not all in The Villages have deep pockets, many are living off social security in the older sections .The insane raise in amenity fee's( mine went from $145-179 ) and insurance rates many will be forced to move. It is not right that The Villages promised me no more then 5% rate increase when I bought , then changed their minds. And insurance companies are doing very well , just look at what their earnings are so it is not a matter of need...both are just greed and because they can.

[paulcallaway]

I wish that I could say that you got a very high quote. But ours is about the same, and I did look diligently for a lower rate.

[GatorFan]

Research the companies. Many companies have gone bankrupt or pulled out of Florida completely. You may pay a little more but make sure the company is financially stable or you may go through searching for a company every year. New companies in Florida come in with lower premiums because they have no loss ratio in Florida. Within the year they are raising their premiums due to lots of claims.

[TedfromGA]

Based on approximate 60,000 insurance customers, Consumer Reports ranks USAA #1. The companies ranked #2 and #3 do not write insurance in Florida. The typical insurance companies most people use (including me) in The Villages rank in the middle to mid lower in the list of 24 companies

[Robbb]

After that Special Session, Governor DeSantis signed SB 2-D which enacted pro-consumer measures to help alleviate rising insurance costs, increased insurance claim transparency, and cracked down on frivolous lawsuits which drive up costs for all Floridians.

In other words it gives the Insurance Companies a license to steal

How does cracking down on frivolous give insurance companies a license to steal?

[dnobles]

Us too$2669.00 WOW. Shopping today

[eyc234]

These statements above don't add up. I see no license for insurance companies to steal in here. What am I missing? He opened up competition. Lovin our Govenor DeSantis! OP get a another quote.

Senate Bill 2D, signed by Governor DeSantis today, enacts pro-consumer measures to help alleviate rising insurance costs, increases insurance claim transparency, and cracks down on frivolous lawsuits which drive up costs for all Floridians. Specific provisions to stabilize the market include:

$2 billion in reinsurance relief through the Reinsurance to Assist Policy (RAP) program to benefit policyholders over the next two years.
Requires insurance companies to file a supplemental rate filing once enrolled in the program to provide relief to policyholders.
$150 million for the My Safe Florida Home Program to provide grants to Florida homeowners for hurricane retrofitting, making homes safer and more resistant to hurricane damage, which can result in premium discounts for those who participate in the program.
Prohibiting insurance companies from denying coverage solely based on the age of a roof if the roof is less than 15 years old or if the roof is determined to have at least 5 years of useful life remaining.
Requiring insurance companies to provide policyholders with a reasonable explanation if they deny or partially deny a claim and provides consumers with greater access to information during the claim adjustment process.
Creating a new standard for application of attorney fee multipliers which have been liberally applied, resulting in increased costs to consumers.
Limiting the assignment of attorney’s fees in property insurance cases, disincentivizing frivolous claims.

:pray::pray: Proof is in the pudding. What they did was nothing and it is proved by the ever increasing premiums. If they were so concerned, from the governer down why did they not fix this 2 years ago.

[Love2Swim]

:pray::pray: Proof is in the pudding. What they did was nothing and it is proved by the ever increasing premiums. If they were so concerned, from the governer down why did they not fix this 2 years ago.

Exactly.

[Aces4]

:pray::pray: Proof is in the pudding. What they did was nothing and it is proved by the ever increasing premiums. If they were so concerned, from the governer down why did they not fix this 2 years ago.

Louisiana must be eating the same pudding to be in the same boat. I’m sure those huge losses have nothing to do with hurricanes, free roofs and a down stock market.

[OhioBuckeye]

Yea & nothing nobody can do about it. But I’m sure lots of people will just drop their home Ins. To many claims turned in & passed on to everyone else to pay the ones that turned in claims!

[mstraveller]

I would like to cancel and go "self insured"
Does your home have a new roof? What is difference with or without new roof. All the increase prices but no one mentions if they have a new roof?:

[Papa_lecki]

The dramatic increase in home values also contributes to the increase.

And two years of 8 to 9% inflation to buy the items to rebuild.

[Keefelane66]

Does your home have a new roof? What is difference with or without new roof. All the increase prices but no one mentions if they have a new roof?:
My neighbor questioned replacing roof on his policy renewal quote by agent on policy would be $50.00 savings, roof currently 13 years young

[Michael 61]

Michael wait until next year it will more than likely double

I’m sure - and I’ll cancel an shop elsewhere if/when that happens - but for the next year I’m happy.

[rsimpson]

Have just received the renewal notice for Home Owners Ins. from Progressive.
Have had them since 2020. Never had one claim at all.
2020 Premium- $693.; 2021-$755.; 2022- $916.; 2023 Renewal Quote $1,883. WOW!!
105% Increase, for NO changes in coverage, and NO claims. Yes, TOTAL SHOCKER!!
No doubt hurricanes have affected this!
Is this what has been happening to Home Owners Ins. in T.V. and or all FL??
What have others experienced for rate changes??
Thanks for your replies.


YES - Just received my first renewal notice from Progressive - Up from $724 to $1399 - no changes to coverage levels or any claims. Outrageous they I / We have to pay premiums for the rebuilding of waterfront homes on FL coasts that we do not own or enjoy. Those wealthy homeowners should be covering their premiums on their own.

[Flyers999]

If you want to feel a little better, we live in Galveston, TX and pay roughly $6500/year for coverage of roughly $350k. Then add property taxes and we’re pushing $17,000 a year before we walk in the door. The Villages is looking pretty good.

Galveston is right on the coast. It takes us 50 miles to get to a large body of water.

The solution here is easy. We all have to go back to work. Anybody need a weed puller?

[JMintzer]

YES - Just received my first renewal notice from Progressive - Up from $724 to $1399 - no changes to coverage levels or any claims. Outrageous they I / We have to pay premiums for the rebuilding of waterfront homes on FL coasts that we do not own or enjoy. Those wealthy homeowners should be covering their premiums on their own.

You must not have been watching television after the hurricane hit. Most of the "wealthy homeowner's" homes only sustained minor damage. It was the much older, less expensive homes that were completely destroyed...

[lawngilander]

Have just received the renewal notice for Home Owners Ins. from Progressive.
Have had them since 2020. Never had one claim at all.
2020 Premium- $693.; 2021-$755.; 2022- $916.; 2023 Renewal Quote $1,883. WOW!!
105% Increase, for NO changes in coverage, and NO claims. Yes, TOTAL SHOCKER!!
No doubt hurricanes have affected this!
Is this what has been happening to Home Owners Ins. in T.V. and or all FL??
What have others experienced for rate changes??
Thanks for your replies.

Tower Hill Ins. Last year-$495. Upcoming year-$1125!
I believe a lot had to do with people getting so called
"FREE" new roofs.

[Flyers999]

I'm sure some of you remember this when 16 years ago a thunderstorm spawned three tornadoes that swept through three villages. Even though The Villages got hit with 136-165 mph winds, no villager died. 20 people did die but they were in the surrounding trailer parks. Gives one pause when considering to self-insure.

The damage breakdown is here:

https://www.depts.ttu.edu/nwi/Pubs/ReportsJournals/ReportsJournals/D2007-02-02-Tor-SAW-Florida.pdf

[MX rider]

We got our homeowners insurance renewal today. We own a 2 and 2 in TV, built in 09 with the original roof. It went up 21%. About what they said to expect. Yearly rate is now $1545. Just thjought I'd post since there seems to be a lot of discussion about this.

Btw, our friends snowbird in Bonita Springs and have a home very similar to ours in a plus 55 community 7 miles from the beach. He told me theirs went UP $2000. I didn't ask what he's paying, but if it went up that much it must be a lot. Plus, they can't even buy flood insurance. 5 years ago they got 2 feet of water in their house from Irma. But they lucked out this time and the water didn't quite get to them.

[Velvet]

Any claim you turn in will raise everyone’s rates!

That is what group insurance is about, spreading the cost over the whole group of people. Now as an individual, I am paying a premium each year IN ORDER THAT when I need something fixed or repaired, the insurance company will cover. All the years I have made no claims I was subsidizing everyone else’s claims. When and if I need it, they will be subsidizing my claim. That is how I understand insurance to work.

[inda50]

I would like to cancel and go "self insured"

How do you " self insure" ?

[M2inOR]

Re: self insure...

To self insure, it means you have sufficient funds to pay for the repair of any damage.

Fine if you have no mortgage.

If you have a mortgage, your bank will not likely let you self insure. The home belongs to the bank until you've paid it off. They want their asset to be protected.

On the other hand if you have the resources, they'd want you to pay off that mortgage, unless you can find a way to guarantee that you can pay for repairs and convince the bank.

Same goes for any asset you've financed.

Don't forget about liability, if somehow your asset causes damage to another person or someone else's assets.

[wlasowicz]

I received my renewal from Progressive for the up coming year I knew it would be going up but a 80% increase whoa for a 7 yr old patio villa. I also read thru the coverage if I was understanding it correctly
the replacement value for just the home was listed about a $100,000 less than the average sale price for homes in my area.

[retiredguy123]

I received my renewal from Progressive for the up coming year I knew it would be going up but a 80% increase whoa for a 7 yr old patio villa. I also read thru the coverage if I was understanding it correctly
the replacement value for just the home was listed about a $100,000 less than the average sale price for homes in my area.
The insured replacement value doesn't include the value of the land.

[Bay Kid]

My agent in Virginia found insurance for my home here at a great price and coverage.

[vintageogauge]

I have 2 statements to make, we have had Progressive for 6 years this May and our premiums went up a little less than $500 over that 6 year period. I keep a higher deductible, $2,500 to keep the rates a little lower and our home is block with a true hip roof which does in fact help with lower premiums. That being said. Over the 55 years that I have owned homes, I doubt that I have had $1,000 in claims however the year before we moved down here I had 3 huge claims, one for a 30' long concrete porch holding up a roof that collapsed, a wind storm blue shingles off of the roof and the rain came right through it, and a sump pump malfunctioned while we were down here unloading furniture from our moving truck. All in all they totaled just under $80,000 in payments the insurance company made to the contractors on 3 separate claims and it did not affect any of our future rates. Moral of the story is if our rates go up in May I'm not going to complain too much.

[cahvillage]

Who is your carrier?

[JoMar]

You're kidding, right? Nothing has changed. Look at all the people that have had their insurance almost doubled. This was predicted when the law was signed. The bill props up insurance companies solely so they will keep writing policies in Florida. There were no requirements that rates would go down. The lawmakers also set aside another $1 billion in our money as a pool that insurance companies could tap to bolster the industry . The legislation also reduces the risk that insurance companies will be sued by homeowners. These are all measures that benefit the insurance industry, not the Florida residents.

The impact of the legislation will take several years to have an impact. Reducing frivolous lawsuits benefits he homeowner, not the attorneys. Not sure who predicted that insurance would double because of the legislation so if you could share that it would be appreciated. Another factor of rate impact is the reduced number of companies since many have left leaving the market and liability to a reduced pool. Also, why do people think that because they have no claims there should be a benefit?

[Normal]

We have had zero problems with Progressive. Are you in a newly designated flood plain? We are in the Villages south of 44 though. A 2200 square foot Gardenia is $930 annually.

[Babubhat]

Heritage and State Farm were the most reasonable of many quotes I received recently

[HIgolfers]

I received my renewal from Progressive for the up coming year I knew it would be going up but a 80% increase whoa for a 7 yr old patio villa. I also read thru the coverage if I was understanding it correctly
the replacement value for just the home was listed about a $100,000 less than the average sale price for homes in my area.

My renewal for Progressive this year- premium went up 60% on a 5 1/2 year old house. No claims. Got quotes from 3 other companies- Allstate, State Farm and USAA. Even with Progressive’s increase, none of the others could match it so sticking with Progressive for now.

[retiredguy123]

How do you " self insure" ?
Self insure just means that you don't have any insurance. If something goes wrong, you just pay for it out-of-pocket.

[Triker]

It seems that all homeowners insurance is going up in every state not just Florida.

[mikeycereal]

My insurance with Travelers on new house started last May @ $777 for the year... included sinkholes but not flood. Yeah that may be going up.

[Djean1981]

My agent in Virginia found insurance for my home here at a great price and coverage.
Agent name?

[vintageogauge]

Self insure just means that you don't have any insurance. If something goes wrong, you just pay for it out-of-pocket.

Unless you have really deep pockets you still need liability coverage.

[kkingston57]

Exactly.

Too busy making laws for problems that do not exist, like laws against Disney, making it illegal for companies to have own rules regarding Covid(cruise companies) task force for illegal voters(albeit about 25 arrests) woke laws(still can not understand this concept)

[kkingston57]

Tower Hill Ins. Last year-$495. Upcoming year-$1125!
I believe a lot had to do with people getting so called
"FREE" new roofs.

Huge % increase, feel lucky you are only paying $1125

[retiredguy123]

Too busy making laws for problems that do not exist, like laws against Disney, making it illegal for companies to have own rules regarding Covid(cruise companies) task force for illegal voters(albeit about 25 arrests) woke laws(still can not understand this concept)
What about the Florida law where I am supposed to get $500 for every telemarketing phone call? I still don't know how to collect the money. I think I am owed over a million dollars so far. When is the state going to tell us how to collect it?

[Sage327]

Have just received the renewal notice for Home Owners Ins. from Progressive.
Have had them since 2020. Never had one claim at all.
2020 Premium- $693.; 2021-$755.; 2022- $916.; 2023 Renewal Quote $1,883. WOW!!
105% Increase, for NO changes in coverage, and NO claims. Yes, TOTAL SHOCKER!!
No doubt hurricanes have affected this!
Is this what has been happening to Home Owners Ins. in T.V. and or all FL??
What have others experienced for rate changes??
Thanks for your replies.

We have Progressive too. With no claims at all we went from $1172.00 in 2022 to $3165.00 in 2023 with a new roof that we paid for. We can thank all the roof scams for the increase.

[Debfrommaine]

We have had zero problems with Progressive. Are you in a newly designated flood plain? We are in the Villages south of 44 though. A 2200 square foot Gardenia is $930 annually.

That is a great rate. Our 2/2, 2.5 yr old, 1300 sq ft patio villa just went up to $1600 with progressive, no claims and we also live south of 44. No flood plain.

[keepsake]

If you don't have a mortgage the insurance outfit has to offer you coverage WITHOUT windstorm risk coverage. Mine went from $7500 down to $1100. $490,000 home. This is part of the 2022 state changes.

[keepsake]

"to get $500 for every telemarketing phone call? "

Moregan and More get $499, you get a buck.

[retiredguy123]

"to get $500 for every telemarketing phone call? "

Moregan and More get $499, you get a buck.
I'll take it. But, how are they going to find out who called me? The law, enacted in 2021, is a stupid law. Google it.

[RICH1]

Free Roofs ….. Lol

[Normal]

That is a great rate. Our 2/2, 2.5 yr old, 1300 sq ft patio villa just went up to $1600 with progressive, no claims and we also live south of 44. No flood plain.

I am not understanding why the rates would be so different? Our auto and golf cart are also through them? Is your bill aggregated or just home? I guess I should be happy I’m under 1000 a year. Our house is block construction? Does that make a difference?

[villagerjack]

One disadvantage of owning an older home.

New homes can have close to $1k in discounts due to meeting there latest wind and hurricane standards.

But how much is your annual bond?

[Debfrommaine]

I am not understanding why the rates would be so different? Our auto and golf cart are also through them? Is your bill aggregated or just home? I guess I should be happy I’m under 1000 a year. Our house is block construction? Does that make a difference? I don't understand either. Auto and golf cart are not included in the $1600. There is no mortgage on the home whether that makes a difference or not.

[GatorFan]

That’s part of the problem. Insurance companies are not wanting to insure homes older than 2015, and they are rationing how many subscribers they have per area. Once they reach their limit, and some have for this area, they won’t insure more people.

There are companies writing policies.

[Catalina36]

have just received the renewal notice for home owners ins. From progressive.
Have had them since 2020. Never had one claim at all.
2020 premium- $693.; 2021-$755.; 2022- $916.; 2023 renewal quote $1,883. Wow!!
105% increase, for no changes in coverage, and no claims. Yes, total shocker!!
No doubt hurricanes have affected this!
Is this what has been happening to home owners ins. In t.v. And or all fl??
What have others experienced for rate changes??
Thanks for your replies.

doe's your quote include sinkhole insurance????

[Catalina36]

You may think you have a great bundled quote from state farm. Most likely your paying too much for your auto insurance!!!
Call AARP THE HARTFORD for Auto Insurance. You will shocked how much your over paying for Auto Insurance with State Farm.

[Biker Dog]

Just talked with USAA & they are no longer writing policies in this area due to wind damage roof claims. :mad:

[Babubhat]

Just bundled multiple policies with State Farm. Best price I found. You can’t generalize about companies. Some want your business, others don’t. Keep shopping

[keepsake]

If you have no mortgage, Florida law allows you to buy home owners insurance WITHOUT windstorm coverage. You take the risk and self insure. I went from $7500 to $1100 doing this in Dec 2022 on a $484 k home.

[Badger 2006]

You may think you have a great bundled quote from state farm. Most likely your paying too much for your auto insurance!!!
Call AARP THE HARTFORD for Auto Insurance. You will shocked how much your over paying for Auto Insurance with State Farm.

Agree. Was getting quotes and State Farm was $800 less for the hone policy, with sinkhole, but the auto was $400 more and the umbrella was $550 more.

[chrissy2231]

Have just received the renewal notice for Home Owners Ins. from Progressive.
Have had them since 2020. Never had one claim at all.
2020 Premium- $693.; 2021-$755.; 2022- $916.; 2023 Renewal Quote $1,883. WOW!!
105% Increase, for NO changes in coverage, and NO claims. Yes, TOTAL SHOCKER!!
No doubt hurricanes have affected this!
Is this what has been happening to Home Owners Ins. in T.V. and or all FL??
What have others experienced for rate changes??
Thanks for your replies.
just bundled car & house w/State Farm & saved $600

[chrissy2231]

You may think you have a great bundled quote from state farm. Most likely your paying too much for your auto insurance!!!
Call AARP THE HARTFORD for Auto Insurance. You will shocked how much your over paying for Auto Insurance with State Farm.
I had 1 small accident & they paid out $1K to other driver. My policy went up $700 & would continue for 3 more years. Bundled w/State Farm & saved $600

[Pairadocs]

Have just received the renewal notice for Home Owners Ins. from Progressive.
Have had them since 2020. Never had one claim at all.
2020 Premium- $693.; 2021-$755.; 2022- $916.; 2023 Renewal Quote $1,883. WOW!!
105% Increase, for NO changes in coverage, and NO claims. Yes, TOTAL SHOCKER!!
No doubt hurricanes have affected this!
Is this what has been happening to Home Owners Ins. in T.V. and or all FL??
What have others experienced for rate changes??
Thanks for your replies.

We go back further with progressive, and NEVER have had a claim even with previous company (which left Florida so we had to go with progressive). Started int he Low $500's, is NOW $2160.... so, don't complain too much or they'll raise you from 1K to 2K. By the way, the "roof" scam, is just that. A one year, or for many of us, a 6 month small reduction, then it sky rockets again on the next renewal. Yes, it is definitely a Florida problem, we pay big time for the natural disasters... and to some extent, everyone in every state with every insurance company also had to pay for us to live in paradise, even with hurricane season ! ?

[Pairadocs]

I'm sure some of you remember this when 16 years ago a thunderstorm spawned three tornadoes that swept through three villages. Even though The Villages got hit with 136-165 mph winds, no villager died. 20 people did die but they were in the surrounding trailer parks. Gives one pause when considering to self-insure.

The damage breakdown is here:

https://www.depts.ttu.edu/nwi/Pubs/ReportsJournals/ReportsJournals/D2007-02-02-Tor-SAW-Florida.pdf

Flyers999, remember it well ! That next morning, when those HUGE over head traffic signals in the villages (Belvidere & 466 for one) were still in the street, just too much to clean up immediately, and we reached 441 to turn south and check on some friends in Ladylake and the scene was like a nuclear attack ! NOTHING, absolutely nothing, trees looked like a forest AFTER a major forest fire, church on left gone, no sign of it... a real horror show !

[Pairadocs]

That is what group insurance is about, spreading the cost over the whole group of people. Now as an individual, I am paying a premium each year IN ORDER THAT when I need something fixed or repaired, the insurance company will cover. All the years I have made no claims I was subsidizing everyone else’s claims. When and if I need it, they will be subsidizing my claim. That is how I understand insurance to work.

That's about the summary/explanation. For YEARS people raged (uselessly) about the "unfairness" that people who eat a reasonably nutritious diet, do not smoke, engage in regular physical fitness activities of some type, etc. are paying for the "spread out" costs of the higher incidence of cancer, diabetes, and heart disease in those with poor/poorer life habits. It is what it is. A few companies considered, and some actually developed a tiered system where smoking employees would pay more for their insurance... one of those types of things that are really not controllable !! Insurance is to spread RISK. Except for a few small reductions for safe driving, we still ALL pay for the habitual speeders, the uninsured, the teens and the 80 somethings... that's what insurance is, as you and others have said !

[Pairadocs]

Just talked with USAA & they are no longer writing policies in this area due to wind damage roof claims. :mad:

True. Also, seems a lot of people ARE getting good rates from AARP Hartford (we were with in a different part of Fl or years, but after building here, were told they were no long insuring here ?? So finally went with Progressive, which has without fail raised auto and home premiums to mind boggling amounts for people like us who have been fortunate enough to have never had a claim, or been involved in an auto accident.. it's a mystery how underwriting works.

[Pairadocs]

Self insure just means that you don't have any insurance. If something goes wrong, you just pay for it out-of-pocket.

Well.... "kind of". My father, a judge, preached "self insure" as soon as you are able. His advice was to NEVER stop making auto payments even when loan was paid.. just keep paying to self in a separate investment account. Now I did not follow all that good advice, but, if something "goes wrong", yes, of course, you pay out of the money you have invested for all the years something did not go very wrong. As most know from their 401K investments, that kind of compounding can be amazing. When thinking, there was no way to put that self insurance money into a non taxed account, of course there is. For those not retired, if they put 2K a year into their 401K or 403b, they can simply INCREASE that by the amount they are NOT paying the insurance company..no insurance company is going to pay those kinds of interest rates, adds up far more than rule of 8's in a bank savings...LOL. But, like everything else, self insuring is not for everyone of course !

[M2inOR]

Just talked with USAA & they are no longer writing policies in this area due to wind damage roof claims. :mad:

I've been a customer of USAA since the mid-70s. I moved here 3 years ago, and had no trouble getting a new homeowners policy in 2019.

That said, I was curious, and called USAA this morning (March 7, 2023). Yes, they ARE still writing new policies here for service members, as well as renewing them. I encourage interested existing clients of USAA to give them a call and confirm if you are shopping for Homeowners Insurance.

[dnobles]

OP mine was also ridiculous from Progressive. I met a person from Farmers who told me how to get it lowered. I was able to get it lowered about $900. I’m not going to list them here because it will cause a big debate. Good luck

[Flyers999]

2004 Camilia in BonnyBrook owned by us since it was built ... no insurance claims, no "free roof". Had ASI insurance until 2020 when Progressive Insurance took over.

ASI premiums started at $591 (new house) and increased over the years to $1445 in 2020.

Then Progressive took over:
2021 $1814
2022 $2186
2023 $6630 (note that is three times the previous year)

I went ballistic of course and checked with the agency to be sure it wasn't some kind of error or scam, only to be "reassured" that the amount was correct.
Obviously, I'm going to shop around but my blood pressure is still up, especially after reading posts in this string that show most increases to be no more than 10 or 15 percent. The premium is due March 5th.

How did you make out Burnie? Inquiring minds want to know.

I believe the ins. companies are required to send their renewal quotes out 60 days before policy expires. I'm expecting the guillotine to hit me very soon.

[Biker Dog]

I've been a customer of USAA since the mid-70s. I moved here 3 years ago, and had no trouble getting a new homeowners policy in 2019.

That said, I was curious, and called USAA this morning (March 7, 2023). Yes, they ARE still writing new policies here for service members, as well as renewing them. I encourage interested existing clients of USAA to give them a call and confirm if you are shopping for Homeowners Insurance.
When I talked to him, he told me they will renew present policies but are not writing new policies. I will be calling them again today.

[Garywt]

Have just received the renewal notice for Home Owners Ins. from Progressive.
Have had them since 2020. Never had one claim at all.
2020 Premium- $693.; 2021-$755.; 2022- $916.; 2023 Renewal Quote $1,883. WOW!!
105% Increase, for NO changes in coverage, and NO claims. Yes, TOTAL SHOCKER!!
No doubt hurricanes have affected this!
Is this what has been happening to Home Owners Ins. in T.V. and or all FL??
What have others experienced for rate changes??
Thanks for your replies.

Our rates are very similar to your but our rate for 2023 is only $1300.

[wlasowicz]

Except for winter weather no state income tax and low school taxes, Fl. is getting more expensive to live than my primary home in NY along with more congestion on the roads with people moving to Fl.

[Babubhat]

Listen to the captain and Tennille. Shop around.

[Yucatan2]

Joining in on this long conversation. AAA quote on our 1990 home up $1000 for auto and home with no claims, 9 year old roof. We are having a 4 pt wind mitigation inspection tomorrow which will let us know how much life is left on the shingles.
Got quotes from State Farm, about $1000 less, and The Villages Ins, about the same…..but Villages is using Cabrillo Coastal for the home insurance.
Anyone know about this company or used them for a claim? Someone else earlier mentioned their Cabrillo doubled….maybe our quote is good for the first year, then a big jump?

[JMintzer]

Listen to the captain and Tennille. Shop around.

The Captain & Tennille???

I'm sorry, but Smokey Robinson (and the Miracles) sang that particular number... :D

[Robbb]

After that Special Session, Governor DeSantis signed SB 2-D which enacted pro-consumer measures to help alleviate rising insurance costs, increased insurance claim transparency, and cracked down on frivolous lawsuits which drive up costs for all Floridians.

In other words it gives the Insurance Companies a license to steal

How is cracking down on frivolous lawsuits giving the insurance companies a license to steal? Doesn't the current system give the injury attorneys a license to steal?

[dnobles]

Yes ours went way up. Thanks to a woman at Farmers, she told me how to get it down. I would use Farmers but I have my car insurance through my union and I can’t write my house through my union. It’s complicated

[Hape2Bhr]

When I talked to him, he told me they will renew present policies but are not writing new policies. I will be calling them again today.

I've been a customer of USAA since the mid-70s. I moved here 3 years ago, and had no trouble getting a new homeowners policy in 2019.

That said, I was curious, and called USAA this morning (March 7, 2023). Yes, they ARE still writing new policies here for service members, as well as renewing them. I encourage interested existing clients of USAA to give them a call and confirm if you are shopping for Homeowners Insurance.


I applied for USAA a couple of weeks ago. First attempt was online which was not accepted, and they provided a phone number to call customer service. Called USAA and the service rep could see I had applied online. She asked me all the questions I had been asked online. Result...your application is denied because of excessive wind damage in Florida. :shrug:

[shut the front door]

One disadvantage of owning an older home.

New homes can have close to $1k in discounts due to meeting there latest wind and hurricane standards.

Not the case at all. 22 year old designer with a pool and we pay $1000/year with Farmers.

[Pinball wizard]

Not the case at all. 22 year old designer with a pool and we pay $1000/year with Farmers.

Just went online to Farmers and they are not writing new policies in 32163.