Home Insurance
 

Time to compare some prices. I have Tower Insurance now. Who do you have?

Called a few agents for quotes Three months ago. my multiple quotes were all equally offensive with rate increases. You have to hope somebody actually wants to write policies in Florida

Try contacting AAA they have access to several insurance companies. We currently have Progressive home and auto, bundled.

We have progressive homeowners and every May I get apples to apples price quotes from at least 3 other carriers and none have ever been close to Progressive's rates.

I have Progressive for homeowners insurance and Allstate for auto. Both companies have had only small annual increases in the past 5 years. I have found that you don't always get the best price by bundling policies. They tend to overstate the actual discount. I once had an agent tell me that their multi-policy discount was 25 percent, but when I did the math, it was less than 5 percent.

I have to thank you for starting this thread because we are absolutely fed up with the company AAA are using for us and we need to change. It may cost us more in the long run, hopefully, it will be less stressful than the nazi we have to deal with now.

Any recommendations would be appreciated.

I have Progressive and my Policy price for the next year starting 10/27/2021 went up from $1700 to over $2400 for the same coverage I have this year. Exploring other options, I have heard that the reason rates are highly driven by the roofing replacements. Even though I did not get a new roof, I am being charged the pool rate that is being assessed to have insurance companies recover what they gave paid for new roofs.

Checked several companies and find similar raises for equivalent coverages. One way I am told that I can reduce rates is to change to a 2 per cent deductible for hurricane coverage. Even though we usually don't get hurricanes here, the definition (A named storm) qualifies as a hurricane even though the local area is outside of hurricane winds. Thus if we get a small tornado spawned by the named storm, it falls under the hurricane deductible.

Everyone in Florida gets a 2% deductible when it's a named HURRICANE storm otherwise it's $500 or $1000 deductible.

My brother is trying to close on his manufactured home an they can't get there loan unless they find insurance that is reasonable. I don't think $4300 is price gouging . The mortgage company said they have never heard of a price like that in 20 plus years. Any suggestions is greatly appreciated

Good luck. Manufactured homes are difficult particularly older ones. YIKES! $4300 for homeowners is obscene for a home that size (we pay $800/yr for full coverage, including sinkhole on a 2/2 Colony 12yrs old with 6 yr old roof). When we were looking for a home here 3 years ago we checked out a few manu homes as we REALLY liked the area and were warned about insurance costs. Taking that yearly cost into consideration might make one look elsewhere where it is cheaper.

Generally speaking just tossing out insurance prices is really meaningless because there are so many variables from home to home. Only answer is to keep comparing. You can always cancel a policy with very little penalty when you are under less pressure and find a better deal.

We have Tower as well through The Village Insurance. Not looking for anyone else.

State Farm bundled with car & golf cart. They took a 10% incerease this year.

Farm Bureau, Main Street wildwood

Kin.com
 

Received a quote from kin.com. Seemed reasonable. Looking for someone who has any knowledge of them. They write policies in FL,CA,LA

Home insurance
 

My suggestion is to use a broker for the best prices. I use All-In-One located near Best Buy. I had Progressive for my car. They wanted to increase by 16%. I called All-In-One, and they found me Travelers for less than I was paying the previous year.