Home owners insurance
 

Looking for a new company. Currently with The Villages Insurance partners, they have written my policy with Cabrillo Coastal General Insurance. Two years ago my policy was $1300. Last year it went to $1700+, just got my new bill, $2700+. Outrageous. Over 100% in two years. Looking for recommendations, have till 12/11/22. Regards.

State Farm
Teresa McHugh
352-259- 0900
So much lower than AAA

I have Progressive with the Villages Insurance.

i HAVE CASTLE KEY WITH ALLSTATE 352-259-3825

I have Travelers through Villages Insurance. 3 years ago when they wrote it, it was around $920 IIRC, this year (JULY '22, 3rd renewal) it was around $970. Almost 15 yr old 2/2 Colony, max coverages inc. sinkhole (10% ded). Maybe they will catch up with me next year but for me barely any increases. SO MANY variables and obviously the coverages one has and the size of the home makes a major difference, so just tossing out numbers is meaningless without "apples to apples" comparisons. This topic is almost a weekly occurrence. :) The variations are mind boggling. Must siply be most insurance companies just don't want to write insurance so they figure "if you'll pay the price, good for us." Next year, after IAN, I think the stuff is really going to hit the fan. The **COST** won't be the major issue, the major issue will be finding a company that will write insurance in FL

Tell Villages insurance to shop the policy. I have to change every 2 years. Also look State Farm. Progressive, Allstate , etc. usually can get quotes online

Our Policy just came up for renewal a nominal $50 increase and no requirement to reroof 12 year old home.

What Company?

I have had good luck with AAA (think Automobile club)

Kin, reduced premium $200, apples to apples with progressive that threatened to drop if we didn't re roof TILE roof (80 year roof), got wind mitigation, and Kin

I switched to Farmers and my premium went down $400. If you go thru the villages agency, check the company price on your own, it will be a lot less. I've never understood why anyone pays someone to find insurance when it can be done so quickly and easily on your own.

Same story, nearly the same. Been with 3 companies, $1500, $2100, this year $3108. Have been told same line at Villages brokers, Progressive office, and State Farm office. All say Florida insurance out of control, and NOT because of possibility of hurricanes here. Three different brokers, not just sales reps, told us Florida has always, since it became a state, been located in the SAME PLACE (this was said with a smile), that it has always been a location that could have a hurricane, nothing has changed. But what HAS changed, we were told, is the number of insurance companies who simply do not want to spend the time and MONEY in a long drawn out court battle over roof "damage", when they can avoid it completely by just bowing to all those who claim damage and pay the claim. We were told a roofer can replace a roof for $5000 to $8000 (their cost) which if FAR less than the amount of a court battle.... thus, the daily door bell ringers offering GUARANTEED FREE ROOFS, telling you that they will take care of the claim and guarantee it will be accepted. What they don't tell you is, we ALL pay for the "free" roofs, not just those who are going along with this.

Farmers Insurance. all the Pinckney agency in Oxford. right on 301

Kin Insurance from the Merchandise Mart in Chicago. They only insure H/O's in Fl and La. Very reasonable last Jan so I will see how that goes this Jan. I'd call them.

Stay away from Cabrillo Coastal, Harbor Insurance, Florida Family, Security First, American Integrity, or Kin.

They are small hedging companies that are nowhere near what national carriers are. When you begin to read the full policy and declaration, you being to see you are being duped into poor coverage.

I’m an independent adjuster and live here in The Villages