Getting advice on reducing homeowners insurance premiums via The Villages Insurance.

[vintageogauge]

As with most of us, my premiums went up on my homeowners policy, mine is through Progressive via The Villages Insurance. I called The Villages Insurance this morning. After being on hold for nearly 10 minutes a young lady answered and I asked to talk to someone who could advise what I might do as far as changes in my policy to reduce my premiums. I was put on hold, and when she came back I was told the next available agent would be able to talk to me next Tuesday that's five days from now, they don't need my business and they will no longer have my business. I am looking for a new agency, any referrals would be appreciated

[retiredguy123]

As with most of us, my premiums went up on my homeowners policy, mine is through Progressive via The Villages Insurance. I called The Villages Insurance this morning. After being on hold for nearly 10 minutes a young lady answered and I asked to talk to someone who could advise what I might do as far as changes in my policy to reduce my premiums. I was put on hold, and when she came back I was told the next available agent would be able to talk to me next Tuesday that's five days from now, they don't need my business and they will no longer have my business. I am looking for a new agency, any referrals would be appreciated
The only other agents listed for Progressive in this area are All-in-One Insurance in Lady Lake and Wheeler Insurance in Belleview. I don't know either one.

But, I would also try State Farm and Allstate. Both of those are good companies with local agents.

[vintageogauge]

The only other agents listed for Progressive in this area are All-in-One Insurance in Lady Lake and Wheeler Insurance in Belleview. I don't know either one.

But, I would also try State Farm and Allstate. Both of those are good companies with local agents.
I have no loyalty to progressive. There are plenty of others I would consider out there, but not through the villages insurance agency.

[Altavia]

I do Progressive via online.

Villages Insurance never added any value in my case back when I used them.

[Babubhat]

I left TV insurance for State Farm. Much better pricing. But who knows next year.

Also check Heritage online

[Velvet]

I like Villages Insurance. It is true that I can’t always get through to my agent easily, but she does call back, explains everything in plain words. But what I like most about her is that she gives me many different options and tells me how much my premium would be if I do this or if I do that. She does whatever she can to make me happy.

The other thing that is important to me is; can and will the insurance company be able to pay for a claim and how cumbersome is the process.

[JMintzer]

Given the sudden rise in insurance rates (post Ian), It's not surprising that agents have been swamped with customer calls...

I'm sure it's frustrating, but I'd give them a little slack right now...

[Kenswing]

I also have Progressive. Rate went from $1,400 to $2,100. Called State Farm for a quote. Their cost was a couple hundred dollars cheaper but the policy was $200k less on the dwelling coverage. Make sure it's an apples to apples comparison.

[tuccillo]

I called for possible other sources of home owner's insurance and it also took them several days to arrange a call with an agent. This was fine and we had a good conversation and they got back to me again after they did some research. They are pretty much swamped with calls. Patience grasshopper ...

As with most of us, my premiums went up on my homeowners policy, mine is through Progressive via The Villages Insurance. I called The Villages Insurance this morning. After being on hold for nearly 10 minutes a young lady answered and I asked to talk to someone who could advise what I might do as far as changes in my policy to reduce my premiums. I was put on hold, and when she came back I was told the next available agent would be able to talk to me next Tuesday that's five days from now, they don't need my business and they will no longer have my business. I am looking for a new agency, any referrals would be appreciated

[Nucky]

I would love to get away from The Villages Insurance except when that storm is heading for us and I have my coverage all set up with them there is a sense of relief. You know that even though you may not be first in line that if you do have a claim that it has a high probability of being taken care of.

When we were in the Manufactured Home our homeowners was about $2200 through Foremost. Most of our friends are insured by other companies for about $700 to $800 for the year. I paid the higher price because I had replacement coverage and they didn't.

I really do care about our Villages agent. She offered us a spot to stay in her house during the past two hurricanes. Just an amazing person. I shop each policy every year and can't beat them by a penny. Having all our eggs in one insurance basket just doesn't feel good either. We have Tower Hill on the house now and it does feel better and is less expensive than Foremost.

The Villages has a whole lot of new people working there now because of the volume of business they are doing. Every single newbie has to be brought up to The Villages standards which I imagine takes more than just a few days. Let's see what the future holds for us? I always get a call back by the end of business on the day I call.

[vintageogauge]

I called for possible other sources of home owner's insurance and it also took them several days to arrange a call with an agent. This was fine and we had a good conversation and they got back to me again after they did some research. They are pretty much swamped with calls. Patience grasshopper ...
I have been with them for six years and I've never been able to talk to an agent the same day that I called unless of course I was going to make a payment then you can get through. I've really had enough of them and will go elsewhere. You can enjoy your relationship with them this grasshopper is out of patience.

[tuccillo]

I have been with them for 9 years and never had any issues. My recent call with them had no urgency so taking a few days to get back with me was fine. You do realize that you can cancel your policy and get a pro-rated amount back if you decide to go elsewhere? There really is no urgency. By the way, I did speak to some other folks and it took them a couple of days to get back to me with a quote or to arrange an appointment to speak in person.

I have been with them for six years and I've never been able to talk to an agent the same day that I called unless of course I was going to make a payment then you can get through. I've really had enough of them and will go elsewhere. You can enjoy your relationship with them this grasshopper is out of patience.

[banjobob]

I. had the same experience with Villages insurance ,the old call back routine when we get time .

[sdeikenberry]

Be careful moving to another company, and you may want to check Progressive to see if they themselves are actually insuring you...or are they putting you in the Florida insurance pool. When we shopped around this past January, two companies we quoted with wanted to insure us through them but in the Florida insurance pool. Sure, the premiums were lower...BUT...you don't want to be in that pool unless you have absolutely no other choice. The main reason is that pool can assess you any difference between what the payouts are and the income. For example, if we have a bad hurricane and 20 million in damages are paid out but the pool only has 10 million in reserves, the pool will bill all insurers for the balance due...in addition to your annual premium. The other reason is the amount of homes being covered and paying into the pool is ONLY in Florida, so the risk of being billed the overage amount is high...and the coverage isn't that great either.

[Bkosloski]

Allstate would not even quote for homeowners.

[MikeC]

I too had insurance through The Villages Insurance ever since we purchased in 2017. Trying to find an agent was always an issue. Prices seemed to be ok until this year. We switched all of our insurance to State Farm, Kelly Matz, and have more coverage on our home, much lower deductible on sink hole, same level of auto insurance in 2 vehicles, golf cart insurance on 2 cars and we even added an umbrella policy and we saved money PLUS it was no issue finding someone to talk to at the office about our needs. So glad we made the change

[Barbgf]

What I would like to know is if you added flooding or any sort of water damage to your policy, which would increase the premium. Since storms seem to be getting worse, we are seriously considering adding this to our policy.

[socrafty]

Be careful moving to another company, and you may want to check Progressive to see if they themselves are actually insuring you...or are they putting you in the Florida insurance pool. When we shopped around this past January, two companies we quoted with wanted to insure us through them but in the Florida insurance pool. Sure, the premiums were lower...BUT...you don't want to be in that pool unless you have absolutely no other choice. The main reason is that pool can assess you any difference between what the payouts are and the income. For example, if we have a bad hurricane and 20 million in damages are paid out but the pool only has 10 million in reserves, the pool will bill all insurers for the balance due...in addition to your annual premium. The other reason is the amount of homes being covered and paying into the pool is ONLY in Florida, so the risk of being billed the overage amount is high...and the coverage isn't that great either.

Are you talking about an Exchange? We use The Villages Insurance and have had Tower Hill the past 2 years. We got our renewal and our insurance went from $1400 to $1900 and they are now an "Exchange". From the little I read about exchanges, they make me nervous and I don't want anything to do with them. We are in the process of getting quotes now. FYI, State Farm will not insure your home if it was built before 2004, ours was built in 1999.

[GaryKoca]

Same experience as others. Our rate from Progressive went up from $1100 to $1700. Tried other insurance companies but none were really much cheaper. Some wanted us to bundle with car, but we bundle up North. Others were more expensive. KIN was $6 more for the exact same coverage, so why change? We kept Progressive.

[Riversong]

Same experience as others. Our rate from Progressive went up from $1100 to $1700. Tried other insurance companies but none were really much cheaper. Some wanted us to bundle with car, but we bundle up North. Others were more expensive. KIN was $6 more for the exact same coverage, so why change? We kept Progressive.

Is that $1700 monthly or annually? I am waiting to retire an move to TV from South Florida where I pay $21k a year for homeowners insurance. Can’t wait to get there!

[seecapecod]

As with most of us, my premiums went up on my homeowners policy, mine is through Progressive via The Villages Insurance. I called The Villages Insurance this morning. After being on hold for nearly 10 minutes a young lady answered and I asked to talk to someone who could advise what I might do as far as changes in my policy to reduce my premiums. I was put on hold, and when she came back I was told the next available agent would be able to talk to me next Tuesday that's five days from now, they don't need my business and they will no longer have my business. I am looking for a new agency, any referrals would be appreciated

If you have Progressive I assume your roof is less than 10 years old- the first home we purchased in The Villages had a new roof, we used AAA and had our policy through Progressive- bundled home and auto and they were the most cost effective. Unfortunately in the house we just purchased Progressive would not cover it because the Roof is 12 year old so we bought through Kin Insurance with a prorated claim payment approach- they too doubled from April 2022 $900 to April 2023 $1800+

[Lorainer1r]

I had the same thing happen last week. I changed to State Farm Tuesday

[csricksdds1]

Let's hear it for Progressive...they just put a new roof on my nine year old house and chalked it up to a small hail storm we had a few months back!

[Black Beauty]

We've added flood insurance

[Dlbonivich]

Tim Bascom Allstate (352) 753-1177
I refer all my customers to get a quote from him. He has Allstate but also brokers other insurance carriers. Good Luck!

[Dlbonivich]

Flood can be bought through any agency, but it is through FEMA and it is separate. Make sure if you want it for this season you buy a month in advance. It takes 30 days to to effect

[westernrider75]

As with most of us, my premiums went up on my homeowners policy, mine is through Progressive via The Villages Insurance. I called The Villages Insurance this morning. After being on hold for nearly 10 minutes a young lady answered and I asked to talk to someone who could advise what I might do as far as changes in my policy to reduce my premiums. I was put on hold, and when she came back I was told the next available agent would be able to talk to me next Tuesday that's five days from now, they don't need my business and they will no longer have my business. I am looking for a new agency, any referrals would be appreciated

After that exact same experience we changed all our business to State Farm on Warm Springs Rd.

[Gunny2403]

I left them. Homeowners increased by almost 80%. Bought new policy from Kin. Policy increased 90$ for similar coverage.

[Janie123]

As with most of us, my premiums went up on my homeowners policy, mine is through Progressive via The Villages Insurance. I called The Villages Insurance this morning. After being on hold for nearly 10 minutes a young lady answered and I asked to talk to someone who could advise what I might do as far as changes in my policy to reduce my premiums. I was put on hold, and when she came back I was told the next available agent would be able to talk to me next Tuesday that's five days from now, they don't need my business and they will no longer have my business. I am looking for a new agency, any referrals would be appreciated
I use an insurance broker and have Safe Harbor Insurance with Cabrillo Coastal. Designer home has a new roof as of a few years ago. I pay $1300 and a bit a year for $350k with a $1000 deductible, 2% hurricane deductible. I have not seen anyone on these posts have anything much better.

[Janie123]

Is that $1700 monthly or annually? I am waiting to retire an move to TV from South Florida where I pay $21k a year for homeowners insurance. Can’t wait to get there!
I pay $1300 a year for $350k coverage.

[msilagy]

Patience is a virtue.

[Gunny2403]

It appears that The Villages residents are grossly over insured. Old People fears are real and costly.

[Altavia]

Patience is a virtue.

And not returning calls or following up is not.

Many have experienced poor service from VI long before the current insurance crisis.

[loufromnewjersey]

We've added flood insurance

Why get flood insurance here in TV. What is going to flood?

[Battlebasset]

I've been with TV insurance since we moved here, I'm with Progressive. Home is around $1700.

I figure with TV being the 800 lb gorilla in this area, I'm better off going with them than trying to go off campus. I did check USAA, and they were more expensive. Even if a couple $100 cheaper, not worth it IMO to switch.

Off topic, but my hope is that insurance reform takes off and sticks. We need to reign in all of the litigation that is helping to drive up costs. No one should get a brand new roof if there is only partial damage, or the roof is reaching the end of its useful life anyway. I for one would be happy to take a higher deductible for roof repair or agree to arbitration vs legal action if it would lower my premiums.

We aren't talking liability here that can run into the millions. It's a roof with a known cost for replacement, that has a finite lifespan.

[JDRVKR]

The amount of increase in homeowners insurance by Progressive is confusing. This owner said their rate went from $1400 to $2100, mine went from $1400 to $4100??? Seems as though it is random.

[jojoturf]

Recommend Drew Parks at Allstate, 352-561-8472. Local rep in Wildwood. Allstate sells under the name of Castle Keys in Florida, fyi. Allstate was $600/yr less than Villages Insurance quote for our new home.

[Luisa]

Good service, friendly, and good rates with KIN.

[OhioBuckeye]

Vintageogauge, I had Progressive too & my home owners Ins. Went up to $2,084.00 a yr. & my auto Ins. (1 car) for a yr. no claims for 46 yrs. it was $1,105.00 a yr. this amounts to $3,000.00+ yr. My new Ins. both comes to $2,127.00 a yr. a little over $1,000. a yr. savings.

[evelyn218]

I have no loyalty to progressive. There are plenty of others I would consider out there, but not through the villages insurance agency.

I have Farmers. Much less than the Villages insurance.

[snbrafford]

I went with TV Insurance when I first moved here 4 years ago. They sold me Cabrillo Coastal who after two years sent us a "roof" letter on our 2009 home so I began shopping around staying with "name brands". I finally went with AAA as having a good rate AND not denying based on the age of my roof. Last year, I found I had wind damage and AAA REPLACED my roof (minus deductible) and once the roof was on, I received a premium refund check (I pay by the year) because of the new roof. I placed my car with them too to get the multi-policy discount.

[JoMar]

Would be helpful if folks also gave the type of home, square feet and coverage.....this thread is all apples and oranges. I have insurance through TV and sit down with an agent every year before renewal and go through all our policies line by line so I understand the details. Also, 5 days for an appointment, guess you have great doctors that will see you immediately, or trades that will drop everything to show up etc. Give me a break.

[Karmanng]

As with most of us, my premiums went up on my homeowners policy, mine is through Progressive via The Villages Insurance. I called The Villages Insurance this morning. After being on hold for nearly 10 minutes a young lady answered and I asked to talk to someone who could advise what I might do as far as changes in my policy to reduce my premiums. I was put on hold, and when she came back I was told the next available agent would be able to talk to me next Tuesday that's five days from now, they don't need my business and they will no longer have my business. I am looking for a new agency, any referrals would be appreciated

TRY KIN they were pretty good for my rental.... also this year in AZ mine went up a whopping $300 !!! for What??? Just because they can........Well I raised my deduct another $1,000 and got it to a more normal increase.........

[Karmanng]

I do Progressive via online.

Villages Insurance never added any value in my case back when I used them.

Actually when getting quotes for my new home that is a rental there Village ins were not all that helpfula nd only gave me one choice to get PLUS it was double the price!

[vintageogauge]

Would be helpful if folks also gave the type of home, square feet and coverage.....this thread is all apples and oranges. I have insurance through TV and sit down with an agent every year before renewal and go through all our policies line by line so I understand the details. Also, 5 days for an appointment, guess you have great doctors that will see you immediately, or trades that will drop everything to show up etc. Give me a break.
Give ME a break, speaking of apples to apples what does a doctor appointment have to do with waiting 5 days to talk with an insurance agent LOL. Since my original post I have called 3 agencies and talked to an agent within minutes at each one. I also had my quotes from them in less than 20 minutes. TVI's customer service is a joke.

[Karmanng]

We've added flood insurance

NOT NEEDED unless you are really in the zone

[DBaty]

Try Garrett at the Bascom Agency. His quote last week was substantially better than what I got from The Villages agency.

[Raceone]

I added flood insurance at least 5 years ago. Kin insurance offers it as an option.

[Altavia]

Give ME a break, speaking of apples to apples what does a doctor appointment have to do with waiting 5 days to talk with an insurance agent LOL. Since my original post I have called 3 agencies and talked to an agent within minutes at each one. I also had my quotes from them in less than 20 minutes. TVI's customer service is a joke.

Maybe some employees chiming in...

Similar experience as you, plus return phone calls and followup emails never happened half the time.

[waltwl]

I have Farmers. Much less than the Villages insurance.
Had Farmers and they doubled my insurance

[Limey]

We had the same issue with TV insurance. They either don't answer the phone or you get a request to leave a message. If they even bother to respond it will be at least 24 hours if not 48 before you will hear back from them. I need an agent that either answers their phone or calls me back in a timely manner. Imagine if you had an emergency! We are now with AAA (Patti Dudas) With TV Ins.they have so much new business they don't really have to care any more and they don't.

[kidnerkim]

I reached my limit with them. Cancelled yesterday after securing insurance with State Farm Brooke Bowen 352-661-3456. Quick response, friendly, monthly payment arrangements with no surcharge. Friend recommended them to me and their customer service was awesome!

[Travelhunter123]

As with most of us, my premiums went up on my homeowners policy, mine is through Progressive via The Villages Insurance. I called The Villages Insurance this morning. After being on hold for nearly 10 minutes a young lady answered and I asked to talk to someone who could advise what I might do as far as changes in my policy to reduce my premiums. I was put on hold, and when she came back I was told the next available agent would be able to talk to me next Tuesday that's five days from now, they don't need my business and they will no longer have my business. I am looking for a new agency, any referrals would be stappreciated

Suggest
Allstate
Kevin Macdonald
Fantastic service
Better coverage on sinkholes

[brookesil]

As with most of us, my premiums went up on my homeowners policy, mine is through Progressive via The Villages Insurance. I called The Villages Insurance this morning. After being on hold for nearly 10 minutes a young lady answered and I asked to talk to someone who could advise what I might do as far as changes in my policy to reduce my premiums. I was put on hold, and when she came back I was told the next available agent would be able to talk to me next Tuesday that's five days from now, they don't need my business and they will no longer have my business. I am looking for a new agency, any referrals would be appreciated

I just renewed my insurance with Frontline Ins. thought the Villages Ins. and my rate was less than half. They will come out and take pictures inside and out to document the condition of your home. Give it a try.

[hollyrich2]

I’m an Allstate agent working from home in The Villages. As of 3/10 Allstate is no longer writing property insurance however; we have many Allstate partners I can provide a quote from. Please call 954-437-9220 ext. 308 or email hrichardson4@allstate.com. I’ve helped several neighbors save money but, more importantly obtain the insurance that meets their needs. I have 25 years experience and was an underwriter as well.

[lisahathy]

When I called TV Ins to purchase my HO ins policy I was surprised that it took days to get a call back from an agent. My concern is that if it takes days to get a call back to buy insurance how long will I have to wait to hear back from them if I have a problem.

[mrf0151]

I had ongoing communication issues with The Villages Insurance. I had been with them since 2003. Last year I had enough of this poor communication/customer service.
I put my whole Travelers package over to Lassiter-Ware Insurance Brokers. My Rep Gina is top notch. The customer service is fabulous and the way it should be.

[OhioBuckeye]

You’re exactly right, look at what they’re giving you before you purchase. They’ll make you think your getting it cheaper but don’t get cheated & then get your house burnt down & have to pay half for the same house. Just make sure it’s Apples to Apples!

[DeafDeaf]

I switched to State Farm to cover my house, two cars, two golf carts, and umbrella liability. I saved over $1,000 in this combination and paid monthly instead of annually or semi-annually. Easy on my monthly payments! Whew!

[Villages Kahuna]

If you’re a vet, or the child of a vet, call USAA. They are very precise and selective over what properties they’ll insure, but very much worthwhile. I’ve been with them for over 25 years, both up north as well as in The Villages.

[Freeda]

We are very happy with Kin Ins. Our renewal in Feb 23 did increase by $400 but was still way less than several other companies and agents we checked with.

[OhioBuckeye]

Just because you buy from a local agent & Ins. company doesn’t mean they’re going to be cheaper. I agree with another person, I look for cheaper rates & make sure I’m getting Apples for Apples, I ask them if I do have a claim I make sure I get to talk to a live person & not a robot & don’t have to push a bunch of buttons & have to listen to music for 10 mins. also a English speaking person that I can understand! But the biggest thing is that you’re getting the exact same coverage.

[retiredguy123]

Just because you buy from a local agent & Ins. company doesn’t mean they’re going to be cheaper. I agree with another person, I look for cheaper rates & make sure I’m getting Apples for Apples, I ask them if I do have a claim I make sure I get to talk to a live person & not a robot & don’t have to push a bunch of buttons & have to listen to music for 10 mins. also a English speaking person that I can understand! But the biggest thing is that you’re getting the exact same coverage.
I don't think insurance agents have any control over the cost of insurance. The premiums are established by the insurance company.

[OhioBuckeye]

You know if you’re watching any news broadcast our Ins. rate will be going up again next yr. because Pennsylvania & Mississippi just had a explosion & really bad weather. Now who do we think will be the ones paying for it, the ones that have the claims, well yea about 1/4 to 1/2 of it & the rest will be the one buying Ins. Why do we think the Ins. companies never go broke. It doesn’t take a Rocket Scientist to figure that out. Otherwise why do Ins. rates go up?

[joelfmi]

The cost of living in Florida has gone up a great deal in Florida from HOA fees, car and home insurance, taxes, It is not what it was years back. That is why before you move do your home work I suggest you read the tread of the 10 best thing to know before you move to Florida

[Roron123]

352-330-6768 Donna Demay at AAA

[Pinball wizard]

I have USAA and just had a call with them about how to lower my premium. They asked if I had a "Uniform Mitigation Verification Inspection" because depending on the rating it will lower my premium. I had never heard of this but I'm having an inspector, who is certified in this, come to my house this week to do the inspection and fill out the form.

I'll keep everyone posted on the results: cost of the inspection, the rating, and how much the savings was.

[Altavia]

Has anyone given thought to self insuring?

The risk here seems very low relative to othrer other areas in FL.

The only damage I've seen is lightening. Add a lightening protection system to mitigate that.

[OhioBuckeye]

You’re exactly right but all I mean is don’t buy just because they’re close & easy to get to. Just buy from another Ins. company because they’re giving you everything you want. When we lived in TV we bought from a local agency because we got Apples for Apples plus When I called about a question we talked a live person & not some recording.

[kkingston57]

Recommend Drew Parks at Allstate, 352-561-8472. Local rep in Wildwood. Allstate sells under the name of Castle Keys in Florida, fyi. Allstate was $600/yr less than Villages Insurance quote for our new home.

Not for long. Per recent news Castle Keys intends to increase rates by 50%.

[kkingston57]

You know if you’re watching any news broadcast our Ins. rate will be going up again next yr. because Pennsylvania & Mississippi just had a explosion & really bad weather. Now who do we think will be the ones paying for it, the ones that have the claims, well yea about 1/4 to 1/2 of it & the rest will be the one buying Ins. Why do we think the Ins. companies never go broke. It doesn’t take a Rocket Scientist to figure that out. Otherwise why do Ins. rates go up?

Might want to check and see how many Florida based insurance companies went bankrupt in last several years. More than likely they went under since they did not SPREAD the risk. This is a big part of the problem. Nationwide(not the company) do not want to do biz in Florida.

[Salty Dog]

I have USAA and just had a call with them about how to lower my premium. They asked if I had a "Uniform Mitigation Verification Inspection" because depending on the rating it will lower my premium. I had never heard of this but I'm having an inspector, who is certified in this, come to my house this week to do the inspection and fill out the form.

I'll keep everyone posted on the results: cost of the inspection, the rating, and how much the savings was.

I had USAA with my previous home at Royal Highlands. It was about 15 years old with the original roof when I had this Inspection completed. My yearly policy premium dropped more than the cost of paying for the Inspection which at that time was about $100.

[Pinball wizard]

I have USAA and just had a call with them about how to lower my premium. They asked if I had a "Uniform Mitigation Verification Inspection" because depending on the rating it will lower my premium. I had never heard of this but I'm having an inspector, who is certified in this, come to my house this week to do the inspection and fill out the form.

I'll keep everyone posted on the results: cost of the inspection, the rating, and how much the savings was.

I promised to return with more information. The Wind Mitigation inspection was done (took about 2 hours) and then submitted to USAA. This reduced my premium by $111/year. The inspection cost $175 so this was a very good return on investment.

She is licensed to do Wind Mitigation.
Sunbird Home Inspections
Debbie Odom
sunbirdhi@gmail.com
352-272-8150
sunbirdhomeinspections.com

[Keefelane66]

There was another post COMPLAINT about a walk in to a medical lab waiting 45 min because no appointment.
The Village Insurance is not you friend move on
🟦

[charlieo1126@gmail.com]

Has anyone given thought to self insuring?

The risk here seems very low relative to othrer other areas in FL.

The only damage I've seen is lightening. Add a lightening protection system to mitigate that. February 2 2007 a tornado came through villages I had $138,000 worth of damages to home and $5,200 damage to my Nissan off road Xterra , since 2007 my highest insurance bill was this year April I believe it was around $1, 400 I’m 84 I don’t have enough years left to break even if I had self insured lol , so good luck with that self insurance if you try it

[charlieo1126@gmail.com]

There was another post COMPLAINT about a walk in to a medical lab waiting 45 min because no appointment.
The Village Insurance is not you friend move on
🟦what has village’s insurance to do with a medical lab????

[JMintzer]

There was another post COMPLAINT about a walk in to a medical lab waiting 45 min because no appointment.
The Village Insurance is not you friend move on
🟦

What does a wait (with no appointment) have to do with ANY insurance company?

[Babubhat]

I just renewed my insurance with Frontline Ins. thought the Villages Ins. and my rate was less than half. They will come out and take pictures inside and out to document the condition of your home. Give it a try.

Frontline gave me a low price last year. The renewal was 45 percent higher. Keep shopping.

[charlieo1126@gmail.com]

What does a wait (with no appointment) have to do with ANY insurance company? love the piggy back of my answer , anything to get your numbers up

[JMintzer]

love the piggy back of my answer , anything to get your numbers up

Didn't see your answer, as it was on the next page...

Why don't you tell us about your Armani clothes again?

[charlieo1126@gmail.com]

Didn't see your answer, as it was on the next page...

Why don't you tell us about your Armani clothes again?no it wasn’t it was on same page , some people need to always be right , but I can take it ,can’t play anymore , got to clean up to go out and I’ll be wearing a Hugo Boss shirt and jeans and Italian boots , thought you would like to know

[tophcfa]

I don't think insurance agents have any control over the cost of insurance. The premiums are established by the insurance company.

You are correct, agents can’t control an insurers premiums. However, good agents work with an extensive portfolio of insurers and should know which companies will offer the best rates for each clients individual situations. Good agents also answer the phone or get back to you quickly and are both friendly and helpful. The Villages insurance wasn’t cutting the mustard on any of those fronts so we dumped them about three years ago.

[JoMar]

Give ME a break, speaking of apples to apples what does a doctor appointment have to do with waiting 5 days to talk with an insurance agent LOL. Since my original post I have called 3 agencies and talked to an agent within minutes at each one. I also had my quotes from them in less than 20 minutes. TVI's customer service is a joke.

Of course they did, fresh meet always gets the attention. Service levels are based on the number of agents/sales folks ratio to policyholders. As that ratio increases response decreases. When you have a claim is when you will find out how good they are. My point on the doctor appointment is that the doctors are usually more critical to my life than an insurance agent. Can't imagine why I would need an insurance agent to call me back the same day.

[Velvet]

Didn't see your answer, as it was on the next page...

Why don't you tell us about your Armani clothes again?
Did it help him get lower insurance premiums?

[JMintzer]

no it wasn’t it was on same page , some people need to always be right , but I can take it ,can’t play anymore , got to clean up to go out and I’ll be wearing a Hugo Boss shirt and jeans and Italian boots , thought you would like to know

The post I was responding to was on page #5. Your response was on page #6...

I responded to the post on page #5 before flipped to page #6...

I don't "need" to be right... I WAS right...

Playing Eurotrash dressup tonight? Cool...

[JMintzer]

Did it help him get lower insurance premiums?

No, but he did stay at a Holiday Inn Express last night...

[charlieo1126@gmail.com]

[QUOTE=JMintzer;2209189]The post I was responding to was on page #5. Your response was on page #6...

I responded to the post on page #5 before flipped to page #6...

I don't "need" to be right... I WAS right...

Playing Eurotrash dressup tonight? Cool...[/QUOTE OH My So Huffy congratulations your now up to 7,883 posts in a little over 2 years , You DA Man

[JMintzer]

At least I've learned how to use the "Quote Function"...

And when you've lost the argument, you count posts...

[charlieo1126@gmail.com]

At least I've learned how to use the "Quote Function"...

And when you've lost the argument, you count posts... ha ha ha as I said You DaMan 7, 891 and still going , sorry I can’t play any more I’m going to gym , I have a life to live

[Keefelane66]

ha ha ha as I said You DaMan 7, 891 and still going , sorry I can’t play any more I’m going to gym , I have a life to live
podiatrist can never win

They have already seen da feet

[mickey100]

ha ha ha as I said You DaMan 7, 891 and still going , sorry I can’t play any more I’m going to gym , I have a life to live
:BigApplause:

[JMintzer]

podiatrist can never win

They have already seen da feet

https://media.tenor.com/-WXAJZt8UMYAAAAd/rimshot-ba-dum-tss.gif

You are now my "arch" enemy... ;)

[JMintzer]

ha ha ha as I said You DaMan 7, 891 and still going , sorry I can’t play any more I’m going to gym , I have a life to live

Well, we know you can count... So you got that goin for ya'...

[JMintzer]

///

[charlieo1126@gmail.com]

https://media.tenor.com/- WXAJZt8UMYAAAAd/rimshot-ba-dum-tss.gif I forgot to thank you for the Eurotrash compliment , that’s the look I’m always going for

[JMintzer]

I forgot to thank you for the Eurotrash compliment , that’s the look I’m always going for

Still haven't figured out the "quote function", I see...

How's that "life" you had to get to goin"?

[Rainger99]

I just got my insurance renewals. I wasn't too concerned because I haven't had any claims and I have small car and small home. Thought it might be a little above inflation rate.

Auto is going up 26% and home is going up 67%!

I am looking elsewhere for insurance. The first company I called for auto told me that I had a bargain. He told me that he could beat my price if I reduced my liability coverage from $250,000 to $25,000. He said that the average bodily injury claim in Florida is only about $15,000 so I was over-insured.

I am still looking!

[kkingston57]

I just got my insurance renewals. I wasn't too concerned because I haven't had any claims and I have small car and small home. Thought it might be a little above inflation rate.

Auto is going up 26% and home is going up 67%!

I am looking elsewhere for insurance. The first company I called for auto told me that I had a bargain. He told me that he could beat my price if I reduced my liability coverage from $250,000 to $25,000. He said that the average bodily injury claim in Florida is only about $15,000 so I was over-insured.

I am still looking!

Wow! People do not buy liability insurance for the average claim. If so, they would self insure. They insure for the possibility of having a bad claim against them. Agent is looking at getting a claim filed against him or her for making a "bad" mistake.

[retiredguy123]

I just got my insurance renewals. I wasn't too concerned because I haven't had any claims and I have small car and small home. Thought it might be a little above inflation rate.

Auto is going up 26% and home is going up 67%!

I am looking elsewhere for insurance. The first company I called for auto told me that I had a bargain. He told me that he could beat my price if I reduced my liability coverage from $250,000 to $25,000. He said that the average bodily injury claim in Florida is only about $15,000 so I was over-insured.

I am still looking!
LOL. I think you are underinsured. I have $1 million in liability. One way to reduce your auto insurance is to drop the uninsured motorist coverage. I have zero. I would never file a claim for that, and it is mostly redundant with medical insurance.

[Rainger99]

LOL. I think you are underinsured. I have $1 million in liability. One way to reduce your auto insurance is to drop the uninsured motorist coverage. I have zero. I would never file a claim for that, and it is mostly redundant with medical insurance.

I have a $1 million umbrella policy. The good news is that it went down 1%!!

I will check on dropping the the uninsured. That is the second biggest premium - behind bodily injury liability.

[CoachKandSportsguy]

You are correct, agents can’t control an insurers premiums. However, good agents work with an extensive portfolio of insurers and should know which companies will offer the best rates for each clients individual situations. Good agents also answer the phone or get back to you quickly and are both friendly and helpful. The Villages insurance wasn’t cutting the mustard on any of those fronts so we dumped them about three years ago.

The issue is that the growth in houses doesn't match the growth in agents at TVI, and they have decided to limit their staff growth. The other issue is that with the entire insurance landscape changing in FL due to last year's hurricane, the agents are swamped with above average number of calls to look at alternative pricing.

When insurance rates go up with about inflation, no one much cares. .
when rates go up exponentially higher than inflation, people care, and they aren't staffed for everyone wanting an alternative price which might not exist from their list of suppliers.. .

Realize that all prices in FL are going to go up, and greater than inflation. .

Labor pricing is going to continue going up as the higher rates are sought in Orlando. .
the catch22 of living in rural FL with a major city 60 minutes away. . either you spend more to keep good people or you get by with mediocre people

pick your poison

[bimmertl]

I have a $1 million umbrella policy. The good news is that it went down 1%!!

I will check on dropping the the uninsured. That is the second biggest premium - behind bodily injury liability.

It's estimated that 20% of drivers in Florida are uninsured. That's why UM insurance isn't cheap.

It covers much more than medical bills. Damages from accidents include money for pain and suffering, disability, death, etc. UM coverage pays for all elements of recovery caused by and uninsured, or underinsured driver.

Consider the claim of the woman cyclist injured by a hit and run 95 year old. She suffered devastating injures which will last a lifetime. This could happen to anyone. Underinsured coverage will at least minimize her damages to some extent

So you need both uninsured and underinsured coverage to protect you and your love ones from such a loss. It's a must have coverage in Florida for sure.

[retiredguy123]

It's estimated that 20% of drivers in Florida are uninsured. That's why UM insurance isn't cheap.

It covers much more than medical bills. Damages from accidents include money for pain and suffering, disability, death, etc. UM coverage pays for all elements of recovery caused by and uninsured, or underinsured driver.

Consider the claim of the woman cyclist injured by a hit and run 95 year old. She suffered devastating injures which will last a lifetime. This could happen to anyone. Underinsured coverage will at least minimize her damages to some extent

So you need both uninsured and underinsured coverage to protect you and your love ones from such a loss. It's a must have coverage in Florida for sure.
Sorry, but I don't agree. Most people don't have enough uninsured motorist coverage to pay for the things you mentioned, or to get a good lawyer to take your case. In most cases, the uninsured motorist coverage would be wiped out paying for the medical bills when you already have medical insurance to cover your bills. It's redundant. For pain and suffering, you would need to sue your own insurance company, which I would never do. I have plenty of medical coverage to pay for my own medical bills, and that is all I need. What is the point of paying for insurance that I would never use?

[dnobles]

Speak to Mikalya at Farmers insurance on 441 next to Babettes. She’s excellent.

[bimmertl]

Sorry, but I don't agree. Most people don't have enough uninsured motorist coverage to pay for the things you mentioned, or to get a good lawyer to take your case. In most cases, the uninsured motorist coverage would be wiped out paying for the medical bills when you already have medical insurance to cover your bills. It's redundant. For pain and suffering, you would need to sue your own insurance company, which I would never do. I have plenty of medical coverage to pay for my own medical bills, and that is all I need. What is the point of paying for insurance that I would never use?

Uninsured motorist coverage is not a primary payer for med bills, Medicare or health insurance is. There is no legal requirement for UM to pay for med bills and Medicare can not pursue payment for med bills from UM coverage. Apparently your theory is Medicare pays and UM pays the med bills, really?

You don't have to "sue" your insurance company to get UM benefits just as you don't have to sue them to get damage to your car paid for.

Worse case scenario, you get killed by a UM. Few med bills. Happy recovering nothing?

Good luck!

[retiredguy123]

Uninsured motorist coverage is not a primary payer for med bills, Medicare or health insurance is. There is no legal requirement for UM to pay for med bills and Medicare can not pursue payment for med bills from UM coverage. Apparently your theory is Medicare pays and UM pays the med bills, really?

You don't have to "sue" your insurance company to get UM benefits just as you don't have to sue them to get damage to your car paid for.

Worse case scenario, you get killed by a UM. Few med bills. Happy recovering nothing?

Good luck!
First of all, I don't have Medicare Part B or D, I only have Part A. I have my Federal retiree insurance with Blue Cross. Who pays first is very complicated, but UM insurance is always sold as coverage for medical bills resulting from an accident. I don't need that, and will not pay a UM premium for it. I assume that my medical insurance company would require reimbursement from any UM claim that is approved, thereby reducing the total coverage amount. The only other thing that UM coverage would provide is a reimbursement for "pain and suffering". Are you saying the my insurance company will just send me a check for that without requiring proof or a lawsuit? In any event, I do not want to be involved in a lawsuit for pain and suffering. I will just self insure for pain and suffering.

[Gpsma]

Speak to Mikalya at Farmers insurance on 441 next to Babettes. She’s excellent.

What makes her excellent? How is she better than other agents?

[retiredguy123]

I have a $1 million umbrella policy. The good news is that it went down 1%!!

I will check on dropping the the uninsured. That is the second biggest premium - behind bodily injury liability.
I think if you reduced your liability coverage, you would not be able to buy an umbrella policy. You may want to check with State Farm and Allstate for auto insurance because they both offer liability limits of up to $1 million, which might allow you to cancel the umbrella policy. Some auto insurance companies will only sell you $250K in liability coverage.

[Babubhat]

Probably not a good idea to use Usaa.

USAA cuts 300 more jobs after reporting first loss in company history. 1.3 billion loss

[CoachKandSportsguy]

Probably not a good idea to use Usaa.

USAA cuts 300 more jobs after reporting first loss in company history. 1.3 billion loss

been a very rough year for insurers. . hence the price increases nearly everywhere

[will1546]

As with most of us, my premiums went up on my homeowners policy, mine is through Progressive via The Villages Insurance. I called The Villages Insurance this morning. After being on hold for nearly 10 minutes a young lady answered and I asked to talk to someone who could advise what I might do as far as changes in my policy to reduce my premiums. I was put on hold, and when she came back I was told the next available agent would be able to talk to me next Tuesday that's five days from now, they don't need my business and they will no longer have my business. I am looking for a new agency, any referrals would be appreciated
You may be able to lower your premium by increasing your deductible. Sometimes if u have no claims in 3 years u will be ahead.

[pkfavreau2]

Be careful, a lot of insurance companies are pulling out of FL or cancelling the insurers coverage. At least you know The Villages Insurance will offer house insurance. Be hard to sell houses if no insurance was being offered.

[Babubhat]

Florida intensifies oversight of insurers after they cut disaster estimates. Today’s news.

Rates should be going lower. Not higher

[CoachKandSportsguy]

Be careful, a lot of insurance companies are pulling out of FL or cancelling the insurers coverage. At least you know The Villages Insurance will offer house insurance. Be hard to sell houses if no insurance was being offered.

So how does one be careful?

not buy from a carrier who will pull out of the market at some point in the future, which is unknown today?

not buy from a carrier who will go bankrupt in the future due to currently unforeseen events?

really, please explain how you are careful so that we know to what you are specifically referring

[EdFNJ]

I left TV insurance for State Farm. Much better pricing. But who knows next year.

Also check Heritage onlineinteresting. State Farm quote was almost $800 more than my latest renewal bill from Travelers (which went from just under $900 to $1450 for my upcoming July 1 renewal) for identical coverage. Allstate was almost $1000 MORE. This is for a 2/2 Colony built in 2009 with a new roof in 2014). Make sure the quotes you get are for IDENTICAL LINE BY LINE ITEM COVERAGE because most of the online quotes are missing a LOT as they just take basic info then toss out a number. My Travelers policy happens to be from T.V. Insurance but I haven't spoken with them since we moved in 6 years ago wrt HO insurance.

[EdFNJ]

been a very rough year for insurers. . hence the price increases nearly everywhere. Price increases also due to the increase of value of homes and rebuilding if needed heaven forbid. Homes have at least doubled in the last few years.

[mrf0151]

As with most of us, my premiums went up on my homeowners policy, mine is through Progressive via The Villages Insurance. I called The Villages Insurance this morning. After being on hold for nearly 10 minutes a young lady answered and I asked to talk to someone who could advise what I might do as far as changes in my policy to reduce my premiums. I was put on hold, and when she came back I was told the next available agent would be able to talk to me next Tuesday that's five days from now, they don't need my business and they will no longer have my business. I am looking for a new agency, any referrals would be appreciated
For this exact reason we left The Villages insurance. We found Lassiter-Ware Insurance Brokers. Offices Leesburg and Ocala and other surrounding areas. Their customer service is excellent. None of this waiting for a response in a few days as that is just ridiculous. Gina Rush is a top-notch agent at 800.845.8437 Ext 202.

[PugMom]

the best way to avoid high premiums with Villages Ins. partners, is to switch to State Farm. this comes from personal experience.

[CoachKandSportsguy]

Uninsured motorist coverage. . . .
Good luck!

Judging from the news, your house insurance will need to provide that coverage, the way Tezlas and a few other drivers are driving into homes lately. .

:cus:

[GatorFan]

Allstate would not even quote for homeowners.

What was the reason? Allstate Agents also have independent companies they offer. Were you not offered a quote with one of those companies!

[ohiosbestus]

Go to State Farm in Belleview and ask them about Citizens Insurance. They should be able to help you immensely.

[CoachKandSportsguy]

Not sure if this is a reactive report or a predictive report, but the increase is getting noticed

Florida homeowners brace for 40% increase in insurance rates - NBC2 News (https://nbc-2.com/news/state/2023/06/02/florida-homeowners-brace-for-40-increase-in-insurance-rates/)

[EdFNJ]

Not sure if this is a reactive report or a predictive report, but the increase is getting noticed

Florida homeowners brace for 40% increase in insurance rates - NBC2 News (https://nbc-2.com/news/state/2023/06/02/florida-homeowners-brace-for-40-increase-in-insurance-rates/)
Probably reactive because that (40%) is what my July 1 renewal is up over last year. :( Maybe the State of FL should have taken some of the $12 MILLION dollars they recently allocated for leasing jets to fly migrants all over the country to help fixing the insurance programs here. Divide that up among all the folks who are getting killed from insurance increases and it would have to help a bit. :ohdear: Watching the news last night there seems to be a major migrant shortage in FL to do the jobs the residents won't take (like picking fruits and vegetables) due mostly to the new laws just passed.

[GatorFan]

I just got my insurance renewals. I wasn't too concerned because I haven't had any claims and I have small car and small home. Thought it might be a little above inflation rate.

Auto is going up 26% and home is going up 67%!

I am looking elsewhere for insurance. The first company I called for auto told me that I had a bargain. He told me that he could beat my price if I reduced my liability coverage from $250,000 to $25,000. He said that the average bodily injury claim in Florida is only about $15,000 so I was over-insured.

I am still looking!

There are certain assets that are protected by Florida law and judgement proof. All others can be garnished. If the licensed agent you are working with can not give you that information, RUN!

Huge % of liability claims in the US are in Florida. Auto, home and all personal liability should be based on your exposure.

[JMintzer]

Probably reactive because that (40%) is what my July 1 renewal is up over last year. :( Maybe the State of FL should have taken some of the $12 MILLION dollars they recently allocated for leasing jets to fly migrants all over the country to help fixing the insurance programs here. Divide that up among all the folks who are getting killed from insurance increases and it would have to help a bit. :ohdear: Watching the news last night there seems to be a major migrant shortage in FL to do the jobs the residents won't take (like picking fruits and vegetables) due mostly to the new laws just passed.

That would be pennies per household...

[JMintzer]

Probably reactive because that (40%) is what my July 1 renewal is up over last year. :( Maybe the State of FL should have taken some of the $12 MILLION dollars they recently allocated for leasing jets to fly migrants all over the country to help fixing the insurance programs here. Divide that up among all the folks who are getting killed from insurance increases and it would have to help a bit. :ohdear: Watching the news last night there seems to be a major migrant shortage in FL to do the jobs the residents won't take (like picking fruits and vegetables) due mostly to the new laws just passed.

What laws would those be?

We already have an agricultural visa program...

H-2A Temporary Agricultural Workers | USCIS (https://www.uscis.gov/working-in-the-united-states/temporary-workers/h-2a-temporary-agricultural-workers)

[EdFNJ]

That would be pennies per household...

Thank you for the division effort, it is appreciated. Quite OBVIOUSLY it was hyperbole. That being said, $12million dollars can help a lot of people vs. chartering jets to send a few hundred(?)people to another state for a "show." WRT to insurance, which was the point of this topic, I'm sure The State of FL could have used the $12 million bucks to help those residents who may be in need of help not being able to afford insurance, as FEW DOLLARS as it may be, than to score political points. Well, maybe that's not true because this IS Florida and FLORIDA=POLITICS. I guess they could have invested that money into Season Senior passes for Disney or maybe not. :1rotfl:

What laws would those be?

We already have an agricultural visa program...

H-2A Temporary Agricultural Workers | USCIS (https://www.uscis.gov/working-in-the-united-states/temporary-workers/h-2a-temporary-agricultural-workers)
I don't want to turn this into a political topic. Google could be your friend. I am specifically referring to recent laws passed in FLORIDA and how it affects farms and other businesses that rely on immigrants in the state we live in.

[JMintzer]

Thank you for the division effort, it is appreciated. Quite OBVIOUSLY it was hyperbole. That being said, $12million dollars can help a lot of people vs. chartering jets to send a few hundred(?)people to another state for a "show." WRT to insurance, which was the point of this topic, I'm sure The State of FL could have used the $12 million bucks to help those residents who may be in need of help not being able to afford insurance, as FEW DOLLARS as it may be, than to score political points. Well, maybe that's not true because this IS Florida and FLORIDA=POLITICS. I guess they could have invested that money into Season Senior passes for Disney or maybe not. :1rotfl:


I don't want to turn this into a political topic. Google could be your friend. I am specifically referring to recent laws passed in FLORIDA and how it affects farms and other businesses that rely on immigrants in the state we live in.

The laws don't affect LEGAL immigrants at all...

Are you suggesting that businesses should hire ILLEGAL immigrants and drive down wages?