[Singerlady]

Originally Posted by rmd2

Can anyone recommend a good company for bundled homeowner and car ins?
If not bundled, can someone make a recommendation for homeowner ins? My homeowner insurance went up by over 25% in 2 years.

We stayed with State Farm when we moved here 2 years ago. Easy at the time because of multiple discounts. Just had The Villages Insurance do a quote on ALL of our policies. Thought we could save. We were going to save a little until we realized we would lose our discount. Not worth it. Good policy and service.

[Earlride]

I have had Geico since moving here and, in spite of getting quotes, from almost everyone, Geico still remains the cheapest so far. I have not bundled yet but expect to explore that later.

[Dust Bunny]

If you are a veteran or member of your family was a veteran you can get very good rates from USAA. Been using them for years and all my children are using USAA.

[Donb0975]

Usaa

[Ronlynch@comcast.net]

We have State Farm bundled plus sink hole protection. Kelly Matz 352.661.3456 Home, Auto Insurance & More in FL | Kelly Matz – State Farm(R) They are knowledgeable about The Villages and the coverages you should have for your area. We have been with SF for over 40 years and they have been responsive to all of our needs over that time. Not necessarily the least expensive but provides us with peace of mind.

[RDhot]

One of the Most expensive out there

[jagdl]

When looking at sinkhole coverage make sure you are getting the right policy. One policy which is common only covers if your house is condemned. An $80,000 driveway hole will be denied. A few questions on the front end could be worthwhile.

[Don Ferguson]

Originally Posted by jrg908369

We have always used USAA but The Villages Insurance beat their rates. Worth looking at them.

Been a USAA customer (for all insurance) for 55 years! Greatest company, of any kind, we have ever dealt with. NEVER the slightest disagreement about damages/loss etc. Get hundreds of dollars per year reimbursed. Two days ago received a reimbursement from them because for the past two months claims are way down because of stay at home orders.

If you can qualify, there is no comparison to any other insurance company, period!

[Don Ferguson]

Originally Posted by jrg908369

We have always used USAA but The Villages Insurance beat their rates. Worth looking at them.

I've had USAA for 55 years, for all policies. It's not only price that makes the difference. We've had many losses/damages in that long period and NEVER had a disagreement with the company.

Just this week they gave a significant rebate due to all claims being way down because of all the stay at home orders.

[Moderator]

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Moderator

[retiredguy123]

Originally Posted by jagdl

When looking at sinkhole coverage make sure you are getting the right policy. One policy which is common only covers if your house is condemned. An $80,000 driveway hole will be denied. A few questions on the front end could be worthwhile.

I agree. This is a very confusing issue that even some insurance agents cannot explain. I understand that all homeowners policies in Florida must cover "catastophic ground collapse" which covers damage to your house. However, "sinkhole" insurance is an optional item of coverage that does not require damage to your house, but only damage to your property to collect benefits. The main thing to look for is the word "sinkhole" written on your policy document. If it doesn't say "sinkhole", you probably have the standard "catastrophic ground collapse" Florida policy.

[Kerry Azz]

Originally Posted by rmd2

Can anyone recommend a good company for bundled homeowner and car ins?
If not bundled, can someone make a recommendation for homeowner ins? My homeowner insurance went up by over 25% in 2 years.

Ours did by about 30% we used village insurance NEVER again! I went with agent Tony Williams 352-254-5250 he saved me about 50% on what American integrity charged me I even put my car with him. And my icurance limits are higher and much better.

[retiredguy123]

I know some people will disagree, but one way to save money on auto insurance is to drop the uninsured motorist coverage. About 20 states require this coverage, but, in Florida, it is optional. When I examined the coverage, I found that it almost completely overlaps the medical and liability insurance that myself and any potential passengers in my car already have. I am particularly concerned that, if you have the coverage, you must use your auto insurance to cover a medical bill before you can use your Medicare and/or private health insurance. I have not paid for uninsured motorist insurance since moving to Florida.

[Joelack99]

We have been really happy with the pricing and service from Kin Insurance, an all virtual (phone and internet) company. That said, I’ve never had a substantial claim, but they are super easy to do business with in every way.

[prntxpresn]

Join AARP for a nominal fee. They carry Hartford Ins for seniors which is the cheapest & best of all. After 1 month, you cannot be dropped. Nominal yearly increases. Do not call the regular Hartford Ins, only Hartford through AARP. The Villages Home Ins (352)751-6622. Most insurance companies will not insure FL.