4127.77 AAA insurance for 1094 sf block Courtyard Villa!!

[starflyte1]

I have received my insurance premium due from AAA. I have been a customer for over 12 years. Now I find I don’t have an agent but am assigned to Member Service Center.

And a premium of $4,127.77.

Can anyone recommend AAA agent they’re happy with at Spanish Springs office? I need an agent to try and explain this.

[CarlR33]

Curious what was the premium before? Why stick with AAA? It’s getting so you go with the most cost effective company not because you like an agent or company per se.
Edit: I just saw this conversation going:
https://www.talkofthevillages.com/forums/villages-florida-general-discussion-73/homeowners-insurance-tv-355627/

[Normal]

Insurance is the leading cause of our housing market downturn and why Florida as a whole lost a half million people in our population last year. Shop around and I’m sure you will find rates much cheaper. Rates will go up yet again this year because of Milton etc. Our insured neighbors are insured by Progressive insurance and say their rates are only 2,200 per year.

[vlm790]

We have Progressive and they are dropping us after 13 years with ZERO claims. We have car, home and carts insured. They say our roof is the reason but it’s only 9 years old and roofers have looked at it and said it is good for at least 5 more years!

[retiredguy123]

We have Progressive and they are dropping us after 13 years with ZERO claims. We have car, home and carts insured. They say our roof is the reason but it’s only 9 years old and roofers have looked at it and said it is good for at least 5 more years!
I have Progressive and a 9-year old roof. They just renewed me with a 5 percent premium increase. By the way, the local "agent" has no way to know why your insurance is being cancelled. That decision is made by the corporate headquarters. The local agent is just a salesperson.

[It's Hot There]

Insurance is the leading cause of our housing market downturn and why Florida as a whole lost a half million people in our population last year. Shop around and I’m sure you will find rates much cheaper. Rates will go up yet again this year because of Milton etc. Our insured neighbors are insured by Progressive insurance and say their rates are only 2,200 per year.

Fake News.

Housing Market downturn leading cause?? :1rotfl::1rotfl::1rotfl:

Lost half a million?? :1rotfl::1rotfl:

Gained a half million.

Florida'''s population soars to over 23.3 million in 2024: Census Bureau (https://www.abcactionnews.com/news/state/floridas-population-soars-to-over-23-3-million-in-2024-census-bureau)

[Plinker]

We have Progressive and they are dropping us after 13 years with ZERO claims. We have car, home and carts insured. They say our roof is the reason but it’s only 9 years old and roofers have looked at it and said it is good for at least 5 more years!

Two homeowners in my neighborhood with Progressive with similar homes. One cancelled and one renewed. One is a full-time resident and one is not. I have Progressive and contacted my agent. I was told that if you are not a full-time resident, Progressive will cancel you. Their concern is added damage and expense can occur if you are not living in the home full-time and able to prevent added claim dollars that could have been prevented. If you have a second home, apparently they will cancel you. Is this the only home you own?

[retiredguy123]

Two homeowners in my neighborhood with Progressive with similar homes. One cancelled and one renewed. One is a full-time resident and one is not. I have Progressive and contacted my agent. I was told that if you are not a full-time resident, Progressive will cancel you. Their concern is added damage and expense can occur if you are not living in the home full-time and able to prevent added claim dollars that could have been prevented. If you have a second home, apparently they will cancel you. Is this the only home you own?
I thought that there was an additional insurance cost for a vacant house. If not, there should be. When your house is vacant, the risk to the insurance company is higher.

[Normal]

Correct, that was 2022 data. However we all know home values haven’t been doing well here. Market analysis reveals the following of the 3 worst sellers markets.

The three surrounding metro pares of the Villages are seeing significant downturns in the housing market and rank first, second and third in potential probabilities in the housing market downturn in Florida.

Ranked number 3: Ocala which has seen an average of 3 price reductions before sale with many cuts exceeding 85k. Also builders in this market have cancelled over 180 million dollars in new construction permits and insurance costs have increased 156% since 2022. All of this has contributed to a 38% increase in rental vacancies.

Ranked number 2: Wesley Chapel 58% of comps are below 2023 prices and the average home is selling for 22% less than it was 18 months ago. Numbers show homes have been sitting on the market 84 days, a change from 18 days just 2 years earlier. These could be tell tale signs that the worst may be to come. Builders are now offering to pay for 2 years worth of amenities, property taxes and insurance fees for incentives. 65 % of sales are falling though because of insurance issues or buyer remorse.

Ranked number 1: Winter Haven with 72% of all its real estate sales selling below asking. The average price cuts are at 82k on average. Some properties are selling 30% below their 2023 taxable valuations. The238% increase in foreclosures for this market are delivering a severe blow to valuations. 28% of those were purchased within just the past 3 years. In addition 45% of investors report negative cash flow in the market.

Home values are not going up under pressures like these.

[Pairadocs]

Insurance is the leading cause of our housing market downturn and why Florida as a whole lost a half million people in our population last year. Shop around and I’m sure you will find rates much cheaper. Rates will go up yet again this year because of Milton etc. Our insured neighbors are insured by Progressive insurance and say their rates are only 2,200 per year.

And you might add what this "largest in history" California wild fires will do to rates, we ALL share in that, not just Fl residents with the hurricane, or the low land floods of Louisiana, or the tornadoes in the midwest ! Disastrous WEATHER is no our friend...LOL !

[JMintzer]

Two homeowners in my neighborhood with Progressive with similar homes. One cancelled and one renewed. One is a full-time resident and one is not. I have Progressive and contacted my agent. I was told that if you are not a full-time resident, Progressive will cancel you. Their concern is added damage and expense can occur if you are not living in the home full-time and able to prevent added claim dollars that could have been prevented. If you have a second home, apparently they will cancel you. Is this the only home you own?

Completely false. We are not "full timers" and Progressive was going to renew our policy. Our agent specifically asked if we were, and said it wouldn't change our premiums. There was a mandate from the Governor that they couldn't cancel insurance policies after Milton for at least 1 year.

Our Progressive renewal date is 02/27/2025, with a significant increase.
We decided to go elsewhere, since we figured they would just cancel it or jack up our rates even more a year later.

We called our Villages agent and she found us a policy with Cabrillo Costal. Almost identical coverage (we added flood insurance, which we didn't have before, as we aren't on a flood plain, but SHMBO wanted it) , at about the same cost we are currently paying Progressive... (less than 1/2 of the new Progressive proposal).

[Plinker]

Completely false. We are not "full timers" and Progressive was going to renew our policy. Our agent specifically asked if we were, and said it wouldn't change our premiums. There was a mandate from the Governor that they couldn't cancel insurance policies after Milton for at least 1 year.

Our Progressive renewal date is 02/27/2025, with a significant increase.
We decided to go elsewhere, since we figured they would just cancel it or jack up our rates even more a year later.

We called our Villages agent and she found us a policy with Cabrillo Costal. Almost identical coverage (we added flood insurance, which we didn't have before, as we aren't on a flood plain, but SHMBO wanted it) , at about the same cost we are currently paying Progressive... (less than 1/2 of the new Progressive proposal).

Sorry, but my statement is completely true. This is what I was told by my Progressive agent. I was not stating an opinion. Ask two different agents and get two different answers. Also, he said that Progressive wanted to decrease their exposure to the Florida market.

[Rocksnap]

I thought that there was an additional insurance cost for a vacant house. If not, there should be. When your house is vacant, the risk to the insurance company is higher.

Curious how a storm could know when a house is vacant?

[Cuervo]

The good and the bad.
I had Farmers Insurance for years they were always considered one of the top insurance companies in the country. The bad is after years they are leaving Florida.
The good was I just had some water heater damage repair in mid 2004, and my roof was completely replaced just before Milton came for a visit.

I totally understand why insurance companies are either leaving Florida or increasing in price.
I can't even imagine what the insurance is going to be like in California after this disaster.
If you want to pay low insurance premiums, all I can suggest is live in a cave in the middle of Ohio.

[Baringek]

My agent’s name is Nancy Sorrentino at 352-561-3853. I just called and it went to her voicemail so it sounds like she is still there.

[retiredguy123]

Curious how a storm could know when a house is vacant?
Homeowner's insurance covers more than just storms. From Farmers Insurance:

"Vacant Home Insurance is more expensive than if the property is occupied. Vacant homes present a greater insurance risk than occupied homes for many reasons, including slower emergency response times and the increased probability of a break-in occurring."

[Janie123]

I have received my insurance premium due from AAA. I have been a customer for over 12 years. Now I find I don’t have an agent but am assigned to Member Service Center.

And a premium of $4,127.77.

Can anyone recommend AAA agent they’re happy with at Spanish Springs office? I need an agent to try and explain this.
Call a broker, stay away from the sales folks with just one option. I have been using the same broker or probably 10 years and switched insurance companies multiple times. My home owners insurance is a bit over $1500 for a 2000 sf designer home.

[MandoMan]

I have received my insurance premium due from AAA. I have been a customer for over 12 years. Now I find I don’t have an agent but am assigned to Member Service Center.

And a premium of $4,127.77.

Can anyone recommend AAA agent they’re happy with at Spanish Springs office? I need an agent to try and explain this.

I live in a 13 year old 1,200 sq ft courtyard villa, and my insurance is around $2400 a year. That’s about double what it was four years ago. Also, if there is roof damage, I don’t get a free replacement courtesy if the insurance agent. What I receive is prorated, which means I would get essentially nothing. I also have a $14,000 deductible for hurricane damage. That mean the company is of the hook for a huge number of claims. But that keeps prices a bit lower. AAA tends to be very expensive.

I’ve read that insurance companies have lost money in Florida in each of the last seven years. They can’t sustain that, as they have to turn a profit or lose their investors, the California fires in 2017 ate up 25 years of profits in that state. The current fires will lead to even bigger rate increases there. Thats how insurance works.

[RoboVil]

I have received my insurance premium due from AAA. I have been a customer for over 12 years. Now I find I don’t have an agent but am assigned to Member Service Center.

And a premium of $4,127.77.

Can anyone recommend AAA agent they’re happy with at Spanish Springs office? I need an agent to try and explain this.

I went with Kin Insurance. About $1200/yr. No local agent.

[hollyrich2]

I’m happy to provide a quote. Allstate is not writing property insurance however; I can provide quotes from our Allstate partners. Please feel free to contact me 954-437-9220 ext. 308 or email hrichardson4@allstate.com. I’ve helped several people in The Villages secure the proper coverage and save them money.

Thank you,
Holly Richardson

[MX rider]

As someone else said, call a broker.

3 years ago we were recommended by another villager to call HH Insurance in St Pete. They deal with over 40 highly rated insurance carriers and shop for the best deal every year.

They have great customer service and acually answer the phone. Many others did not when we were shopping around. Some didn't even return my call.

We have our home, cars, 2 motorcycles and our golf cart with them. They get you quotes quickly and you don't have to go there. Everything is done thru email.

On our home they gave us 3 detailed options, sort of a good, better, best deal. All 3 were listed side by side so we could compare coverage deatils.

Get Instant Quotes on Florida Insurance | HH Insurance (https://www.hhinsgroup.com/)

[defrey12]

Insurance is the leading cause of our housing market downturn and why Florida as a whole lost a half million people in our population last year. Shop around and I’m sure you will find rates much cheaper. Rates will go up yet again this year because of Milton etc. Our insured neighbors are insured by Progressive insurance and say their rates are only 2,200 per year.

Same CYV, USAA—$1300/yr…and it went up $50 this year.

[mraines]

I have received my insurance premium due from AAA. I have been a customer for over 12 years. Now I find I don’t have an agent but am assigned to Member Service Center.

And a premium of $4,127.77.

Can anyone recommend AAA agent they’re happy with at Spanish Springs office? I need an agent to try and explain this.

There is an office on Bichara Blvd. I don't know why your premium is so high. I have home, car, golf cart and a liability policy and my premium is not that high. I have found them pleasant and helpful anytime I have called.

[rsmurano]

I lived in a different state and when my house became vacant (moved into my new house before selling our old house) our premium went up bu 50%, just for a few weeks.
As for home sales here, I would think/know there is still a lottery for all new homes/lots for sale. Dozens and many dozens of people try to buy the same property. My friends lost out on 1/2 dozen of bids to buy. If we were hurting for sales, you would be think the lottery would be the 1st to go

[It's Hot There]

Curious how a storm could know when a house is vacant?

Google is your friend...............

Vacant homes cost more to insure because they are a greater risk to insure than occupied homes. Unoccupied and vacant homes often pose a greater risk of damage, and most home insurance policies will deny claims if your home is left vacant for more than 30 days. Vacant home insurance is designed specifically for a home that will be empty for an extended period, and it costs 50% - 60% more than a standard insurance policy for an occupied home

[Normal]

Same CYV, USAA—$1300/yr…and it went up $50 this year.

That’s a great price. I definitely would stick with them. I’m wondering what a designer home would cost through them. Hopefully at the most 2500?

[jacqueline larsen]

AAA is not an insurance company. They are a broker for several companies.
Deal direct with insurance companies. I have Kin = 2,200.

[jcgrether]

Big difference between vacant and unoccupied in eyes of insurance companies. Generally being unoccupied is not an issue for rating. Unoccupied is temporary, vacant is truly vacant….empty house.

I thought that there was an additional insurance cost for a vacant house. If not, there should be. When your house is vacant, the risk to the insurance company is higher.

[jcgrether]

AAA is not an insurance company. They are a broker for several companies.
Deal direct with insurance companies. I have Kin = 2,200.

Actually, the Auto Club Insurance Company of Florida (AAA) is a company. AARP only acts as an agent. In Florida and a limited other states ACIC writes homeowners and auto.

[retiredguy123]

Big difference between vacant and unoccupied in eyes of insurance companies. Generally being unoccupied is not an issue for rating. Unoccupied is temporary, vacant is truly vacant….empty house.
You are correct that there is a difference between vacant and unoccupied. But, in either case, some insurance companies will charge an extra premium or even cancel a policy for a vacant or an unoccupied house.

[Birdrm]

I moved here 3 years ago and have had 3 different insurance companies for my homeowners.
Shop around as I am amazed at the difference in pricing from the insurance companies. I usually get 8-10 quotes and then decide based on the price and the financial stability of the insurer.

[snbrafford]

I have received my insurance premium due from AAA. I have been a customer for over 12 years. Now I find I don’t have an agent but am assigned to Member Service Center.

And a premium of $4,127.77.

Can anyone recommend AAA agent they’re happy with at Spanish Springs office? I need an agent to try and explain this.

I too have AAA and my "agent experience" mirrors yours. It seems that the AAA office only has an agent for "new business" and not for servicing. I was "stuck" with the Member Service Center too this year but they were helpful for what I needed. I suspect there won't be much "explanation". Only option that I see is check you are not over-insured. Based on your dollar amount, I'm going to start looking around but its hard to find a company that writes policies in FL these days.

[snbrafford]

Curious what was the premium before? Why stick with AAA? It’s getting so you go with the most cost effective company not because you like an agent or company per se.
Edit: I just saw this conversation going:
https://www.talkofthevillages.com/forums/villages-florida-general-discussion-73/homeowners-insurance-tv-355627/

After seeing this message, I know my AAA insurance will be coming due in July. I did a very very quick internet search and found HONEYQUOTE.com that gave me several insurance companys' quotes. Online quotes ranged from $943 to $1500 a year selecting "enhance coverage" with $2500 deductible and with 2% hurricane deductible. At least this web site provides a list of alternatives to start with. One of the companies listed was Cabrillo Coastal which used to be the insurance company TV used. I had them when I first moved here and they threatened to drop me due to age of my roof - I switched to AAA before they did. Good Hunting!

[Bwanajim]

I’ve used the same State Farm agent for 40 years. When I moved here two years ago, my premium is only $1500 a year.

[Dond1959]

That’s a great price. I definitely would stick with them. I’m wondering what a designer home would cost through them. Hopefully at the most 2500?

I have USAA in a designer Putnam at 2050 sq ft. My policy renews this month at $1100, up about $100 from last yr. Some caveats, I have been with USAA for a long time, about 40 years so they do reward loyalty, at least so far for me. My house is only 6 years old so no roof issue. Also I have a very high hurricane deductible at 5% which is about $16,000. I am fine with taking this amount of liability, I just need insurance if the whole house gets destroyed.

The cost of replacement also needs to be considered as construction prices have increased tremendously over the past 5 years and that is part of the premium increase. My best advice is to shop around if you get something that sounds crazy. There are lower cost alternatives out there.

[JMintzer]

Sorry, but my statement is completely true. This is what I was told by my Progressive agent. I was not stating an opinion. Ask two different agents and get two different answers. Also, he said that Progressive wanted to decrease their exposure to the Florida market.

I never said that Progressive didn't want to lower their exposure.

I simply said that being a part time resident had ZERO effect on our premiums...

[JMintzer]

Homeowner's insurance covers more than just storms. From Farmers Insurance:

"Vacant Home Insurance is more expensive than if the property is occupied. Vacant homes present a greater insurance risk than occupied homes for many reasons, including slower emergency response times and the increased probability of a break-in occurring."

Our emergency response time is based on our alarm system.

It matters not if we're out of state, or on the other side of TV...

[CooperDupper]

I have received my insurance premium due from AAA. I have been a customer for over 12 years. Now I find I don’t have an agent but am assigned to Member Service Center.

And a premium of $4,127.77.

Can anyone recommend AAA agent they’re happy with at Spanish Springs office? I need an agent to try and explain this.

I HAVE USED NADIA LESTOR @ SS OFFICE. Her email address is Nslester@acg.aaa.com and if you don't have phone # already it is: 352-753-2500

[Nell57]

I have a friend in the Palisades area. Last year her insurance company notified her they could no longer cover her in that area. She found another insurer, and two weeks later they notified her that they would not cover her either. She couldn’t find another insurer. She lost her uninsured home in the fires….and I’m sure others are in the same situation.
Tragic.

[Kelevision]

Fake News.

Housing Market downturn leading cause?? :1rotfl::1rotfl::1rotfl:

Lost half a million?? :1rotfl::1rotfl:

Gained a half million.

Florida'''s population soars to over 23.3 million in 2024: Census Bureau (https://www.abcactionnews.com/news/state/floridas-population-soars-to-over-23-3-million-in-2024-census-bureau)

You forgot the Causes of Growth….

The growth was driven by international migration, with Florida gaining over 411,000 residents through this channel. Domestic migration also added another 411,004 people to the broader Southern region.

Population growth
Between 2023 and 2024, Florida's population increased by 2.8 million people, which was 84% of the nation's total increase. Florida's 411,322-person increase from international migration was one of the largest in the country

[Topspinmo]

I have received my insurance premium due from AAA. I have been a customer for over 12 years. Now I find I don’t have an agent but am assigned to Member Service Center.

And a premium of $4,127.77.

Can anyone recommend AAA agent they’re happy with at Spanish Springs office? I need an agent to try and explain this.


Did get free roof? Then, that explains it. AAA just brokers, get some estimates from other insurance agencies. They’re NOT loyal to you so why be loyal to them. With the Florida feasco with insurance we will probably be paying that as minimum? If you can find insurers in future?

[starflyte1]

Did get free roof? Then, that explains it. AAA just brokers, get some estimates from other insurance agencies. They’re NOT loyal to you so why be loyal to them. With the Florida feasco with insurance we will probably be paying that as minimum? If you can find insurers in future?

No free roof. Kin wants $2900. Still too high.

[pauld315]

I have received my insurance premium due from AAA. I have been a customer for over 12 years. Now I find I don’t have an agent but am assigned to Member Service Center.

And a premium of $4,127.77.

Can anyone recommend AAA agent they’re happy with at Spanish Springs office? I need an agent to try and explain this.

Easy to explain, all your neighbors got "free roofs".

[Topspinmo]

No free roof. Kin wants $2900. Still too high.

Get some more, I live in about same size CYV home and vehicle insurance just over $2100. But, who knows when I have to renew? When I got booted from aaa for no reason other than my roof was older after I paid for replacement I went elsewhere. I got 5 estimates, none of name brands insurance was less than 3500 then and that didn’t include vehicle. IMO name brands want out of Florida and California so the raise rates so high or deny insurance. IMO that should be against law, all states or none.

[ROCKETMAN]

I have Travelers through the villages ins. Have 1150 sq ft ranch free roof 2020 and furnace 2019. Pay $1200 a year with normal hurricane and sinkhole coverage.

[Topspinmo]

I have Travelers through the villages ins. Have 1150 sq ft ranch free roof 2020 and furnace 2019. Pay $1200 a year with normal hurricane and sinkhole coverage.

How did get the free furnace? I sure others would like to know? Not me, I paid for mine… or did Pick up one on side of street? O, you just brought and the home owner paid for it? :$:

[Hape2Bhr]

No free roof. Kin wants $2900. Still too high.

Wow! Did you change the "Roof Surfacing Payment Schedule" (#10) to ON?