Homeowners Insurance rates
 

I am getting ready to renew my Homeowners insurance, I currently pay $745 for $205,000 on the dwelling (Block home with hip roof), $1,000 deductible, $300,000 personal liability, $1,000 deductible on sinkhole coverage, and 2% hurricane deductible. How does this stack up to what you are paying....gn

have you had a wind mitigation inspection yet. big discount if your house qualifies.

yes premium includes wind mitigation, thanks for the heads up, how does my premium compare to yours....gn

What exactly is that? Is it something I have to request?

250K dwelling

500K Liab

500 (five hundred) Hurricane Deductable

1000 Deductable

Sink Hole coverage included

$578 thru La Plaza Grande AAA Ofc

Thanks for the reply Chuck, I'll check with AAA tomorrow...

170+ views, Anyone else who can share their rate? ....gn

Welcome - let me know by PM if they do you any good.


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What is the company that AAA is using? I like your rates.

You made me go look for the policy -

190K Dwelling

300K Liab

500 Deductible

ASI

WOW, 402 views and one person took the time to share their experience, thanks Chuckinca......gn

You're Welcome GN

Must be mostly wanabees on TOTV!


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FWIW - Won't be apples to apples, but here's what I've found nonetheless:

I'm getting quotes as we speak on a resale (built in '07) patio villa that we're in the midst of purchasing. Replacement cost $140k. Living in it 5 months/yr, no renters, no pets.

via Sumter Marion (actually, a part of The Villages Insurance) - underwritten by American Integrity Insurance, including hurricane and sinkhole coverage. Quoted 3 ways:
- 5% ded for hurricane, $2,500 ded for all other perils........$464/yr.
- $2,800 ded for hurricane, $1k ded for all other perils........$493/yr.
- $500 ded for hurricane, $500 ded for all other perils........$572/yr.
All the above include what they call the "Gold Package": water back-up coverage, replacement cost on contents, identity fraud coverage up to $15k, increased coverage for jewelry (up to $5k total and $1k/item), $500 for food spoilage due to power outage from a covered peril, plus some other extras.

via AAA - underwritten by Florida Family Insurance, including hurricane and sinkhole coverage.
- 2% hurricane deductible, $500 ded all other perils.............$670/yr.

I'd like to get a quote for a policy via ASI. But apparently they aren't writing any more new policies at present (at least for the area where this house is - Duval). They limit their exposure by not writing more policies in an area where they've already issued a predefined number of policies. So sorry about our luck at present with them!! :)

Hope that helps!

Bill

Homeowners Insurance Rates
 

ASI Assurance Corp

dwelling 174 k
liability 300k
medical 5k
hurricane deductible $500
Sinkhole coverage included
all other deductibles $500.00

Cost $525.00 per year for a CBS home

Hope this helps.

Very comparable to what we have with the same company with a bit higher dwelling coverage and stick built instead of CBS.

We have had the policy since 2005.


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thanks for the responses, i now have more info to move forward with, thanks again....gn