Bundling Insurance in Florida

[Lynnettepa]

We have homeowners insurance thru Villages Insurance. Our auto is insured by a company that doesn’t cover FL. We need to transfer that to a company that does. Knowing that bundling usually gets you better pricing and also knowing the mess Florida homeowners insurance is in these days, we are wondering if any company writes BOTH home and auto in FL. (State Farm used to but no longer for new customers.)
If no bundling companies, hit me with your best company for auto. TIA

[retiredguy123]

For me, State Farm is the best company for auto insurance. I currently pay $515 for a 6-month policy, where most of the cost is for $1 million in liability coverage. In my experience, bundling is mostly a sales pitch and not as much of a savings as advertised. Always do the math and don't trust the agent's savings calculation. I have Progressive for homeowners insurance.

Note that The Villages Insurance is not an insurance company. They are a broker for several insurance companies.

[villagetinker]

Progressive is still bundling.

[Stu from NYC]

So is Allstate

[Kenswing]

We have everything bundled with Progressive through The Villages Insurance.

[LeRoySmith]

State Farm bundled us about a year ago.

[retiredguy123]

Since I have State Farm auto insurance, they wanted to bundle me with homeowners. Their homeowners policy was about the same price as Progressive, which includes a bundle discount of $600. So, to me, that means that, if I switch to another auto or homeowners policy, I lose the bundle discount and my premium increases by $600. No thank you to the bundle.

[blueash]

Reportedly, I heard it from a hot dog salesman, Progressive will be leaving the homeowner insurance market here in the next 12 months. New roof or not.

[hdidden]

AAA can do it all

[Sandancer]

Allstate

[Girlcopper]

We have homeowners insurance thru Villages Insurance. Our auto is insured by a company that doesn’t cover FL. We need to transfer that to a company that does. Knowing that bundling usually gets you better pricing and also knowing the mess Florida homeowners insurance is in these days, we are wondering if any company writes BOTH home and auto in FL. (State Farm used to but no longer for new customers.)
If no bundling companies, hit me with your best company for auto. TIA
Geico for auto

[TheWarriors]

Reportedly, I heard it from a hot dog salesman, Progressive will be leaving the homeowner insurance market here in the next 12 months. New roof or not.

Progressive is not renewing homeowner policies.

[bellbuoy8]

Is anyone considering self insure for your home? Where can you get accurate information.

[Sully2023]

we have homeowners insurance thru villages insurance. Our auto is insured by a company that doesn’t cover fl. We need to transfer that to a company that does. Knowing that bundling usually gets you better pricing and also knowing the mess florida homeowners insurance is in these days, we are wondering if any company writes both home and auto in fl. (state farm used to but no longer for new customers.)
if no bundling companies, hit me with your best company for auto. Tia

usaa.

[retiredguy123]

Geico for auto
When I got insurance quotes about a year ago, Geico would only sell me a maximum of $250K in liability coverage. To me, that was an inadequate amount. I would have needed to purchase an additional umbrella policy. State Farm and Allstate both offer up to $1 million in coverage.

[Mazjaz]

AAA can do it all

AAA raised my auto insurance 40% this month and no tickets or claims. I just dropped them. Progressive will write auto but is getting out of home insurance in Florida. State Farm writes both a a bundle. KIN insurance is another option for home insurance.

[MSGirl]

Progressive is not renewing homeowner policies.

They are not renewing random homeowner insurance policies. Some are being renewed. Ours was just renewed for a year beginning in August.

[bragones]

On an insurance side note, if you have an umbrella policy, it is required that you have Uninsured Motorist (UM) coverage. A previous thread on UM coverage cast doubt and differing opinions on the necessity/value of UM. In my case, UM cost is $456/year. It is something that I would have dropped if I wasn't required to have it for my umbrella.

[retiredguy123]

On an insurance side note, if you have an umbrella policy, it is required that you have Uninsured Motorist (UM) coverage. A previous thread on UM coverage cast doubt and differing opinions on the necessity/value of UM. In my case, UM cost is $456/year. It is something that I would have dropped if I wasn't required to have it for my umbrella.
I have $1 million in liability insurance included with my State Farm auto policy. Allstate also offers up to a million in coverage. I have no UM coverage and no umbrella policy. So, if you can get by with a million dollars in liability coverage, you may want to consider cancelling the umbrella policy and switching to a company that offers a higher liability limit.

[elevatorman]

Progressive is not renewing homeowner policies.

Progressive raised my policy from $1657 to $4284 last year. I asked what would happen if I got a new roof (15 year old roof). The agent said it would not make much of a difference. So I went with State Farm for $2627, They required a 4 point inspection . State Farm told me if I did not get a new roof I would have to pay for a 4 point inspection every year or risk cancellation. I went ahead and got the roof replaced.
https://www.citizensfla.com/documents/20702/31330/4+Point+Inspection+PL/3d7e0270-2c1d-4a14-b2e6-3a796c675a7f

[nn0wheremann]

We have homeowners insurance thru Villages Insurance. Our auto is insured by a company that doesn’t cover FL. We need to transfer that to a company that does. Knowing that bundling usually gets you better pricing and also knowing the mess Florida homeowners insurance is in these days, we are wondering if any company writes BOTH home and auto in FL. (State Farm used to but no longer for new customers.)
If no bundling companies, hit me with your best company for auto. TIA
Allstate, but they do not write homeowners insurance in Florida

[bigjohnny19]

we have homeowners insurance thru villages insurance. Our auto is insured by a company that doesn’t cover fl. We need to transfer that to a company that does. Knowing that bundling usually gets you better pricing and also knowing the mess florida homeowners insurance is in these days, we are wondering if any company writes both home and auto in fl. (state farm used to but no longer for new customers.)
if no bundling companies, hit me with your best company for auto. Tia

aaa

[nn0wheremann]

AAA raised my auto insurance 40% this month and no tickets or claims. I just dropped them. Progressive will write auto but is getting out of home insurance in Florida. State Farm writes both a a bundle. KIN insurance is another option for home insurance.
KIN’s quote was higher, for my home, than Tower Hill. Take a look at KIN’s BBB record too.

[judyflorida]

Geico for auto

Geico bundles my home and auto in Florida

[morchol]

Reportedly, I heard it from a hot dog salesman, Progressive will be leaving the homeowner insurance market here in the next 12 months. New roof or not.

Progressive dropped us for homeowners in June. House is a designer built in 2018 with no claims.

[Tyson]

Ive been in TV for 19 years, a Fla. resident, but Ive kept my auto insurance with the co. we've been using for all that time in Pa. Have a home in pa. and cars are have Pa. registrations. Save a lot of money.

[Coley]

Is anyone considering self insure for your home? Where can you get accurate information.


House has to be solely owned by you --no mortgage.-It's risky--be careful-know your exposure.

[miadford@gmail.com]

My home is covered by Progressive and no one can touch their price. My car is with AARP Hartford. Same thing.

[Villagesgal]

Progressive is not renewing homeowner policies.
Progressive just renewed my homeowners policy and the premium dropped by several hundred dollars from last year. So Progressive is renewing some policies in the Villages and I have an older home. I am very happy with Progressive for my home.

[NavyVet]

Dealing with Villages Insurance has been a nightmare. We got our "We're dumping you" letter from Progressive in May for our HO policy that would have run out in October. At least we got advance notice. Last year it had jumped from $2300 to $4100. House is only 13 years old with a perfectly good roof. When I contacted Villages Insurance (our agents for this policy) to find a new company, I was given an appt date ... for AUGUST 21! Unacceptable. Everyone knows you don't shop for HO insurance during the height of hurricane season. They will not write policies if there is an active storm in the ocean.
So on my own, I did research. Most of the big companies are no longer doing HO in Florida and we were forced to get a new roof to get ANYTHING. We ended up with Kin. I immediately cancelled the Progressive policy and got a refund for the remaining months. Now Progressive is telling us that because we don't have HO or car with them, they will also not be renewing our umbrella policy. Our car insurance is with Travelers as it was cheaper than bundling with Progressive. Asked Villages agent if we could get umbrella policy with Travelers. They would but only if the home is NOT in a Trust. Whiskey Tango Foxtrot!
What a racket. Now I will be looking for a different car insurance company that has agents outside of TV that can also do umbrella. I am so done with Villages Insurance Group.
It has been a stressful couple of months, but at least the roof is done. Total cost for roof plus removing solar panels and reinstalling them after: $25,000. Shouldn't have had to worry about it for a couple more years. If nothing else, it will make the house easier to sell. LOL

[Atamasco]

We have homeowners insurance thru Villages Insurance. Our auto is insured by a company that doesn’t cover FL. We need to transfer that to a company that does. Knowing that bundling usually gets you better pricing and also knowing the mess Florida homeowners insurance is in these days, we are wondering if any company writes BOTH home and auto in FL. (State Farm used to but no longer for new customers.)
If no bundling companies, hit me with your best company for auto. TIA

I cover both thru Villages Insurance and Travelers.

[joshgun]

Progressive is not renewing homeowner policies.

Just renewed mine for July 31 renewal. However st a significant increase.

[Mazjaz]

Progressive is still bundling.

They would bundle for me. They told me they aren’t insuring Florida homes any longer.

[JGiles336]

Ive been in TV for 19 years, a Fla. resident, but Ive kept my auto insurance with the co. we've been using for all that time in Pa. Have a home in pa. and cars are have Pa. registrations. Save a lot of money.

Just became Florida residents, how does a Florida resident register/title a car in PA?

We were told cars are registered based on your drivers license.

[RcCalais]

Reportedly, I heard it from a hot dog salesman, Progressive will be leaving the homeowner insurance market here in the next 12 months. New roof or not.

That is no surprise. Progressive did not renew my home insurance for a place we have in another state.

[DONNIEBRONX]

Go to allstate. I have policies with them that cover 2 cars. House, golf cart and home up north and 2 cars there. They bundled it all and I saved $$$$$

[retiredguy123]

Go to allstate. I have policies with them that cover 2 cars. House, golf cart and home up north and 2 cars there. They bundled it all and I saved $$$$$
It depends. I had Allstate auto insurance for 27 years until they raised my rate 32 percent. I switched to State Farm, and their premium for the same coverage was less than 50 percent of the Allstate premium.

I don't think Allstate offers homeowners insurance in Florida, but they may refer you to another company.

[JRcorvette]

We have homeowners insurance thru Villages Insurance. Our auto is insured by a company that doesn’t cover FL. We need to transfer that to a company that does. Knowing that bundling usually gets you better pricing and also knowing the mess Florida homeowners insurance is in these days, we are wondering if any company writes BOTH home and auto in FL. (State Farm used to but no longer for new customers.)
If no bundling companies, hit me with your best company for auto. TIA

Contact AAA they will bundle and they are competitive

[NavyVet]

I contacted several companies about 2 months ago that told me they are NOT writing HO policies IN Florida. If it helps, here is the list:
AAA
All State
Nationwide
Progressive
State Farm
Travelers
A few did mention Citizens as a last resort.

[Tobys Dad]

Progressive is still bundling.

Progressive is dropping homeowners coverage. How can you bundle? We and 4 neighbors all received non-renewal letters.

[Gatorfan1]

On an insurance side note, if you have an umbrella policy, it is required that you have Uninsured Motorist (UM) coverage. A previous thread on UM coverage cast doubt and differing opinions on the necessity/value of UM. In my case, UM cost is $456/year. It is something that I would have dropped if I wasn't required to have it for my umbrella.

Not true. You can exclude excess umbrella um coverage.