That is true American Integrity sends a "forensic engineer" to detemine your claim and always finds less than required total replacement and American estimates your damage and will require you to make those repairs. We currently are shopping for another insurer.

Stay away from The villages Ins.
 

I will highly recommend agent Tony Williams 352-254-5250
I had an increase of $800. With American Integrity with no claims my home and cart was 2000.00
Only got me with St. John’s a 5 star company for $850 with better coverage. That’s a big savings . And he answers his phone very good agent.

Stay away I had Travelers Florida insurance With an out of area agent to combine policy with car for discount one of the quotes we were given was Travelers Florida. Same identical coverage but quoted $300 higher. Asked for explanation reply was “that’s the way it is”

Avoid American integrity claims denied, no phone calls returned, law suits filed and won by homeowners after three years in court.

Insurance
 

The important information is, how are they when paying claims. Cheap insurance is not any good if you have trouble getting a claim paid. We use Travelers First Floridian and they have always been great in time of need. Went through Villages insurance.

We went with AAA for both home and car a few years ago...sink hole coverage included....huge savings for us

1. Geico
2. Geico
3. Geico

We’ve used several other major companies and were disappointed by their unwarranted rate increases.

We get our insurance through TV insurance. Although we have never had a claim, our insurance premium doubled (can't remember who we had), so I called TV insurance and asked about it. She said she would look around for something less. She found an obscure lower rate for us that had something to do with us being in our 70s and having no claims. AND, it's with the same company which I believe is ASI. I hope I am remembering this all correctly.

We have an independent broker as well which we've had for almost 30 years. They switched us to ASI/Progressive about 5 years ago because they had better rates for the right coverage. We have Auto-Owners for our car. I've made many comparisons and never found anything better, including State Farm, Geico, The Hartford (AARP).

I have AAA for auto & ASI Progressive for homeowners.

After 30 years with State Farm, we switched to Farmers last year and are paying less than half of the SF premiums. We shopped all the reliable companies. They had the best coverage for everything for the price. We also switched our Auto, Umbrella and Golf Car insurance.

Homeowners Insurance-Insurance Value -vs- Replacement Cost ?
 

Is it true that an Insurance Premium is based on an estimate of probable Replacement Value. But a Claim is settled on "As Is value" on the date of the loss?
Does that mean that we pay a premium based on, for example, $300,000 but the Insurance Adjuster determines that the damaged improvements were only worth 75% at the time of the loss?If we pay a premium based on $300,000, are we not entitled to 100% in the event of a loss?

...

Sinkhole insurance
 

I have bundled with AA A- car/home. Included sinkhole when purchased in 2010. Moved out of Villages but still in Sumter county. New home coverage dropped sinkhole coverage. When I called and asked to have it reinstated and cost to add I was told AAA no longer was offering anyone sinkhole coverage in Sumter. Has anyone gotten AAA insurance last 3 years that included sinkhole and lives in Sumter? Or am I just being given a line of b---!