How much is insurance? How much is insurance? - Talk of The Villages Florida

How much is insurance?

Closed Thread
Thread Tools
  #1  
Old 01-27-2009, 03:50 PM
Don H Don H is offline
Senior Member
Join Date: Mar 2008
Location: Sun Lakes, AZ
Posts: 159
Thanks: 0
Thanked 0 Times in 0 Posts
Default How much is insurance?

We don't live in The Villages yet but we're wondering what it costs for home owner's insurance there. Can anyone give me quotes on what they are paying?
  #2  
Old 01-27-2009, 04:32 PM
Bogie Shooter Bogie Shooter is offline
Sage
Join Date: Sep 2008
Posts: 19,708
Thanks: 13
Thanked 6,086 Times in 2,701 Posts
Default

As you might guess the insurance will vary depending what model home you buy.
Why not give The Villages Insurance a call 352-751-6622 and ask them the question. They are familiar with all the different models and should be able to give you and accurate range estimate.
  #3  
Old 01-27-2009, 04:46 PM
golfnut's Avatar
golfnut golfnut is offline
Soaring Eagle member
Join Date: Jul 2007
Location: Belvedere
Posts: 2,285
Thanks: 9
Thanked 31 Times in 24 Posts
Default

$600 for a 3 bedroom 1500 sf.
__________________
Village of Belvedere
  #4  
Old 01-27-2009, 05:18 PM
annie2 annie2 is offline
Member
Join Date: Mar 2008
Location: North Bay, Ontario Canada/Rio Ponderosa
Posts: 43
Thanks: 0
Thanked 0 Times in 0 Posts
Default

We pay $800 for 3 bedroom ranch. Ours is more because it is an original roof (1994). Older roof means much more money in insurance. First thing we will do, when possible, is re-shingle.
  #5  
Old 01-27-2009, 05:45 PM
Barefoot's Avatar
Barefoot Barefoot is offline
Sage
Join Date: Jul 2007
Location: Winters in TV, Summers in Canada.
Posts: 17,657
Thanks: 1,692
Thanked 244 Times in 185 Posts
Default

Ball park ... $600 up depending if the dwelling is stucco and has a hip roof.
And of course, on the size.
__________________
Barefoot At Last
No act of kindness, no matter how small, is ever wasted.
Saving one dog will not change the world, but surely for that one dog, the world will change forever.
  #6  
Old 01-27-2009, 06:39 PM
starflyte1 starflyte1 is offline
Platinum member
Join Date: Jul 2008
Location: Villas de la Mesa
Posts: 1,853
Thanks: 374
Thanked 371 Times in 119 Posts
Default

$800 for 1500 sf 3 bdrm We did not shop around, just bought from the first person we called.
  #7  
Old 01-27-2009, 07:07 PM
GatorFan GatorFan is offline
Veteran member
Join Date: Jul 2007
Location: The Villages
Posts: 766
Thanks: 12
Thanked 24 Times in 15 Posts
Default

Call Kevin McDonald/Allstate office at Palm Ridge Plaza (behind CVS 466)
352-259-3825
  #8  
Old 01-28-2009, 08:32 AM
CTgolfer CTgolfer is offline
Senior Member
Join Date: Jun 2008
Posts: 259
Thanks: 0
Thanked 2 Times in 2 Posts
Default Recent quote

We just received a quote from The Villages Insurance for around $900. When shopping, compare what coverages you are buying. Here are some of what we are covering for this quote: $250,000 dwelling CBS with hip roof); $125,000 personal property; $300,000 personal liability; $10,000 fungi/mold; hurricane deductible is $500; non-hurricane deductible (tornado/windstorm) $500; also included are 20% increased replacement cost of dwelling; sinkhole coverage; water backup.
  #9  
Old 01-28-2009, 10:18 AM
Don H Don H is offline
Senior Member
Join Date: Mar 2008
Location: Sun Lakes, AZ
Posts: 159
Thanks: 0
Thanked 0 Times in 0 Posts
Default

Thanks everyone. At least I now have an idea of the cost.
  #10  
Old 01-28-2009, 04:05 PM
Yoda Yoda is offline
Gold member
Join Date: Aug 2008
Location: The Villages
Posts: 1,050
Thanks: 0
Thanked 0 Times in 0 Posts
Default

Sink hole coverage??? What do you mean sink hole coverage??? Are there now or have there ever been sink holes in TV. I'm just getting used to the idea of tornados! But, SINK HOLES? Please tell me it's not true! Please?

Yode
  #11  
Old 01-28-2009, 05:01 PM
ijusluvit ijusluvit is offline
Platinum member
Join Date: Jun 2008
Posts: 1,688
Thanks: 0
Thanked 4 Times in 4 Posts
Default

There are some sinkholes in TV but nothing more serious yet than the one which swallowed the pond on Walnut Grove. The developer has fixed it because the neighbors deeds said "waterfront property".
  #12  
Old 01-28-2009, 05:14 PM
784caroline 784caroline is offline
Soaring Eagle member
Join Date: Jul 2007
Posts: 2,436
Thanks: 0
Thanked 6 Times in 6 Posts
Default

Your house location North or south of 466 also has a bearing on insurance costs and your ability to simply get insurance!

Again as I posted on another forum, your insurance is only as good as the financial ability of the company providing the insurance to pay off claims. So going for the cheapest insurance may be short sighted unless you are willing to wait for a federal government bailout!
  #13  
Old 01-28-2009, 06:23 PM
thegreenerside's Avatar
thegreenerside thegreenerside is offline
Senior Member
Join Date: Mar 2008
Posts: 156
Thanks: 0
Thanked 0 Times in 0 Posts
Default

In the village of Winifred there have 4 or 5 homes sitting on sink holes in the past year and half. Sink holes can happen anywhere in Central Florida and I would suggest having the sink hole coverage. I don't recall the additional cost, but it could not be more than 100 per year.
__________________
Lexington, Ky Charleston, SC Indianapolis, IN Naples, FL The Villages
  #14  
Old 01-29-2009, 11:56 AM
CTgolfer CTgolfer is offline
Senior Member
Join Date: Jun 2008
Posts: 259
Thanks: 0
Thanked 2 Times in 2 Posts
Default

Quote:
Originally Posted by 784caroline View Post
Your house location North or south of 466 also has a bearing on insurance costs and your ability to simply get insurance!

Again as I posted on another forum, your insurance is only as good as the financial ability of the company providing the insurance to pay off claims. So going for the cheapest insurance may be short sighted unless you are willing to wait for a federal government bailout!
We have 2 quotes for homeowners insurance from ASI and Security First. Is there any reason why we shouldn't consider Security First over ASI?
  #15  
Old 02-27-2009, 06:47 PM
Taj44 Taj44 is offline
Veteran member
Join Date: Jan 2009
Posts: 861
Thanks: 0
Thanked 0 Times in 0 Posts
Default

Quote:
Originally Posted by CTgolfer View Post
We just received a quote from The Villages Insurance for around $900. When shopping, compare what coverages you are buying. Here are some of what we are covering for this quote: $250,000 dwelling CBS with hip roof); $125,000 personal property; $300,000 personal liability; $10,000 fungi/mold; hurricane deductible is $500; non-hurricane deductible (tornado/windstorm) $500; also included are 20% increased replacement cost of dwelling; sinkhole coverage; water backup.

As a help, we are getting the same coverage from ASI (through AAA) for $607. You might want to check them out. Our home is located south of 466 if that makes a difference.
Closed Thread


You are viewing a new design of the TOTV site. Click here to revert to the old version.

All times are GMT -5. The time now is 11:23 PM.