Talk of The Villages Florida

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Lou Card 04-21-2010 10:43 AM
Home & Car Insurance
 
Just tried to change my NationWide Insurance to Florida to find out they do not insure HOMES in the state. Was also told by the Agent in Leesburg that no insurance company in Florida will cover both home and auto. Can that be.

Please tell me what company y'all use IF YOUR HAPPY with your company that is.

Maybe Phone Number and Agent name.

Lou & Patti:confused::shrug::oops::o

zcaveman 04-21-2010 10:49 AM
I use The Villages Insurance - 753-2280 (SS). Look at the ad in the paper for the office closest to you. They insured my car and house and also have golf cart policies. My policies are through Travelers but it is one stop shipping.

Skip 04-21-2010 11:16 AM
HO Insurance
 
Quote:
Originally Posted by Lou Card (Post 260738)
Just tried to change my NationWide Insurance to Florida to find out they do not insure HOMES in the state. Was also told by the Agent in Leesburg that no insurance company in Florida will cover both home and auto. Can that be.
Please tell me what company y'all use IF YOUR HAPPY with your company that is.
Maybe Phone Number and Agent name.
Lou & Patti:confused::shrug::oops::o
Tell that agent he doesn't know what he's talking about. Here's the site to go to, to get quotes from many companies doing HO insurance in Florida:
http://www.shopandcomparerates.com/HOCompareRates.htm This is a state run website and is usually up to date. Rates are for a standard size/value house and you use the rates as comparison only. Each county has its own "risk factor".

Where insurance companies make their money is on auto insurance, that's why they advertise for auto but not homeowners. The state keeps the companies from gouging homeowners by approving rate increases (e.g. State Farm fiasco). Get a wind mitigation inspection for the best discounts. Company's website will give you agent locations.

Travelers Insurance does business in Florida as "First Floridian", a wholly owned company that prevents Travelers from going bankrupt if hurricanes wipe out many of their Florida clients in one year.

Good luck.

Skip...

Xavier 04-21-2010 12:15 PM
Quote:
Originally Posted by Lou Card (Post 260738)
Just tried to change my NationWide Insurance to Florida to find out they do not insure HOMES in the state. Was also told by the Agent in Leesburg that no insurance company in Florida will cover both home and auto. Can that be.

Please tell me what company y'all use IF YOUR HAPPY with your company that is.

Maybe Phone Number and Agent name.

Lou & Patti:confused::shrug::oops::o
We have our home and our golf cart through The Villages Insurance in Spanish Springs. Karen is our contact. We have the house with ASI (A+ rated) and we are very happy. The cart with Foremost, I think.

We used to also have our Motor Home and Car with Progressive through the Villages Insurance Office until Progressive lost their mind on the Motor Home Insurance. We switched the car and the MH to Geico via on-line and then over the phone. It was an exceptional experience. Warren Buffet owns the company. Excellent customer service. Geico doesn't insure homes in Florida or I would have given them a shot. I did price them for the golf cart and they would only sell liability for it.

It's great to have you living in the bubble!

Xavier

GMONEY 04-22-2010 04:37 AM
Quote:
Originally Posted by Skip (Post 260747)
Tell that agent he doesn't know what he's talking about. Here's the site to go to, to get quotes from many companies doing HO insurance in Florida:
http://www.shopandcomparerates.com/HOCompareRates.htm This is a state run website and is usually up to date. Rates are for a standard size/value house and you use the rates as comparison only. Each county has its own "risk factor".

Where insurance companies make their money is on auto insurance, that's why they advertise for auto but not homeowners. The state keeps the companies from gouging homeowners by approving rate increases (e.g. State Farm fiasco). Get a wind mitigation inspection for the best discounts. Company's website will give you agent locations.

Travelers Insurance does business in Florida as "First Floridian", a wholly owned company that prevents Travelers from going bankrupt if hurricanes wipe out many of their Florida clients in one year.

Good luck.

Skip...
Yes that is a good web site, with good info....

we have had State Farm for many years now for home and car. Luckily we are one of the policies that State Farm is not cancelling. But we are shopping still. But great info on the website for insurance.

Skip 04-22-2010 09:27 AM
State Farm
 
Quote:
Originally Posted by GMONEY (Post 260833)
Yes that is a good web site, with good info....

we have had State Farm for many years now for home and car. Luckily we are one of the policies that State Farm is not cancelling. But we are shopping still. But great info on the website for insurance.
If State Farm decides to leave Florida, it will be suddenly and many other insurance companies have limits as to how many new policies they can write a month. You may be holding the (empty) bag and have to resort to a "risk pool" to get insurance. Remember, if you have a mortgage, you must maintain coverage. My suggestion is to shop around and get new insurance NOW before the stampede.
:crap2:
Skip...

golfnut 04-22-2010 02:21 PM
We switched recently to Allstate for home, auto and golf cart....gn

GMONEY 04-23-2010 04:35 AM
Quote:
Originally Posted by Skip (Post 260863)
If State Farm decides to leave Florida, it will be suddenly and many other insurance companies have limits as to how many new policies they can write a month. You may be holding the (empty) bag and have to resort to a "risk pool" to get insurance. Remember, if you have a mortgage, you must maintain coverage. My suggestion is to shop around and get new insurance NOW before the stampede.
:crap2:
Skip...
You have a point... I told the wife we need to look harder on this deal and see what we can come up with. I know they love having our car insurance. we told them that if that jerk us on the home then we are out of here..

Army Guy 04-23-2010 09:29 AM
As others have said, don't believe that agent. Just got our annual renewal for our villa insurance last week, and it didn't even go up in price for the upcoming year, same as last. We use USAA.

Army Guy

BogeyBoy 04-23-2010 09:47 AM
We have home and auto insurance through Auto Club.

Dynasty 04-23-2010 12:09 PM
The only place I could find to do both auto and homeowners with the same company was AAA. (not to say there are not others) They put the golf cart with Progressive.

Allstate said they could do the same company, but, when they were writing up the contract the homeowners was in fact with another company.

Who else does both auto and homeowners under the same company - not a sister company?


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