Talk of The Villages Florida - Homeowners Insurance in the wake of Irma-Report Card

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Homeowners Insurance in the wake of Irma-Report Card

The purpose of this thread is to provide reviews of your specific insurance--the good, the bad, the ugly.

We are thinking of switching to State Farm despite the fact that they are significantly more expensive that our current policy. This thread isn't to compare price, necessarily, but service.

I'll start. Has anyone who had a claim used State Farm homeowners? Your experience during Irma?

We currently have Cabrelli Coastal purchased through The Villages Insurance. We had no claim. Some others have mentioned that their companies reached out to them with an email/phone call right away. We heard nothing from Cabrelli. This doesn't necessarily mean they wouldn't react appropriately had we had a claim. We just don't know. But, clearly, not warm and fuzzy. They are highly rated. Did anyone with a claim deal with them?

So....please post your homeowners insurance company and your opinions of how they responded when you filed a claim. I think this will help all of us with future insurance decisions.

Quote:

Originally Posted by Villageswimmer (Post 1449713)

The purpose of this thread is to provide reviews of your specific insurance--the good, the bad, the ugly.

We are thinking of switching to State Farm despite the fact that they are significantly more expensive that our current policy. This thread isn't to compare price, necessarily, but service.

I'll start. Has anyone who had a claim used State Farm homeowners? Your experience during Irma?

"We currently have Cabrelli Coastal purchased through The Villages Insurance. We had no claim. Some others have mentioned that their companies reached out to them with an email/phone call right away. We heard nothing from Cabrelli. This doesn't necessarily mean they wouldn't react appropriately had we had a claim. We just don't know. But, clearly, not warm and fuzzy. They are highly rated. Did anyone with a claim deal with them?"

So....please post your homeowners insurance company and your opinions of how they responded when you filed a claim. I think this will help all of us with future insurance decisions.

:what: Did you read your post before hitting the submit button? Is it me?

We are thinking of switching to State Farm despite the fact that they are significantly more expensive that our current policy. This thread isn't to compare price, necessarily, but service.

We currently have Cabrelli Coastal purchased through The Villages Insurance. We had no claim. Some others have mentioned that their companies reached out to them with an email/phone call right away. We heard nothing from Cabrelli. This doesn't necessarily mean they wouldn't react appropriately had we had a claim. We just don't know. But, clearly, not warm and fuzzy. They are highly rated. Did anyone with a claim deal with them?

I'm sorry , I just don't understand.... you're going to leave a highly rated company for a significantly more expensive one because they didn't send you an email? And you had NO CLAIM.

I really am trying to understand your post. But I am :confused:

Its only been a week................................

Try again in 6 months.

Chubb Insurance.

Been with Chubb for over 20 years.
(Yes, I do price checking)

Their paper is the best in the industry..........both personal lines and business lines.

You don't know how good your paper is until you have a claim..........."15 mins, save 15%", there is a reason.

Quote:

Originally Posted by CWGUY (Post 1449729)

Sorry but I'm just trying to do some anecdotal research from fellow villagers as to their experiences. Sorry to have confused you. Namaste.

Quote:

Originally Posted by dewilson58 (Post 1449733)

Thank you. This is the type of info that can be of help to people.

Quote:

Originally Posted by dewilson58 (Post 1449733)

To add more..............their claim services have been great over the years. (1)Lightning strike......came thru the TV cable, jumped to a water line. They replaced a couple TV's, water damage was fixed; (2)Sump pump quit.......$40k of damage. Both times, hassle-free, paid quickly, and paid for "a later damage surprise".

There is comparative insurance company ratings

Quote:

Originally Posted by Villageswimmer (Post 1449741)

Thank you. This is the type of info that can be of help to people.

One person's experience, either good or bad is not a valid review. I'm not defending any company.

We have Travelers which is well rated. We've not had any claims so have nothing to add as far as service.

This past hurricane did a lot of damage so everyone is stretched from your insurance, to your lawn mow guy to the villages services.

Quote:

Originally Posted by suesiegel (Post 1449803)

Right. This is not intended to be a scientific poll--just anecdotal information with the caveat to take it or leave it. To me, first person experiences are valuable. That's all.

I am changing over to a company that offers a sinkhole rider thru the Villages Insurance company. Several hundred more than my current policy but piece of mind... is worth it.

Don't need a lot of hand holding unless a problem strikes and that would be where the Villages Insurance company would fit in

Quote:

Originally Posted by T-325 (Post 1449959)

Your sinkhole insurance---just wondering what kind of deductible does it carry?

Sinkhole coverage scares me, a 10% deductible, ie, $250,000 home, $25,000 deductible.

yes a 10% deductible..

It caps the loss when the structure isn't a loss so the "universal" sinkhole insurance kicks it.

Not perfect but it will make me sleep easier

Without the insurance the deductible is 100% unless the house is condemned.

Quote:

Originally Posted by T-325 (Post 1449976)

Are all HOs the same?

We had State Farm for 25 years up north and about 11 years here in the Villages. Then State Farm cancelled us and said they were not insuring any homes in Florida. They said they would continue to cover our vehicles but not our home. They said it was costing them too much. I told them thank you and cancelled the vehicles also. This was with the agent for them here in The Villages on 466. I would check and see if they insuring homes again, but will I will not trust them again.