[retiredguy123]

Originally Posted by Rocksnap

Curious how a storm could know when a house is vacant?

Homeowner's insurance covers more than just storms. From Farmers Insurance:

"Vacant Home Insurance is more expensive than if the property is occupied. Vacant homes present a greater insurance risk than occupied homes for many reasons, including slower emergency response times and the increased probability of a break-in occurring."

[Janie123]

Originally Posted by starflyte1

I have received my insurance premium due from AAA. I have been a customer for over 12 years. Now I find I don’t have an agent but am assigned to Member Service Center.

And a premium of $4,127.77.

Can anyone recommend AAA agent they’re happy with at Spanish Springs office? I need an agent to try and explain this.

Call a broker, stay away from the sales folks with just one option. I have been using the same broker or probably 10 years and switched insurance companies multiple times. My home owners insurance is a bit over $1500 for a 2000 sf designer home.

[MandoMan]

Originally Posted by starflyte1

I have received my insurance premium due from AAA. I have been a customer for over 12 years. Now I find I don’t have an agent but am assigned to Member Service Center.

And a premium of $4,127.77.

Can anyone recommend AAA agent they’re happy with at Spanish Springs office? I need an agent to try and explain this.

I live in a 13 year old 1,200 sq ft courtyard villa, and my insurance is around $2400 a year. That’s about double what it was four years ago. Also, if there is roof damage, I don’t get a free replacement courtesy if the insurance agent. What I receive is prorated, which means I would get essentially nothing. I also have a $14,000 deductible for hurricane damage. That mean the company is of the hook for a huge number of claims. But that keeps prices a bit lower. AAA tends to be very expensive.

I’ve read that insurance companies have lost money in Florida in each of the last seven years. They can’t sustain that, as they have to turn a profit or lose their investors, the California fires in 2017 ate up 25 years of profits in that state. The current fires will lead to even bigger rate increases there. Thats how insurance works.

[RoboVil]

Originally Posted by starflyte1

I have received my insurance premium due from AAA. I have been a customer for over 12 years. Now I find I don’t have an agent but am assigned to Member Service Center.

And a premium of $4,127.77.

Can anyone recommend AAA agent they’re happy with at Spanish Springs office? I need an agent to try and explain this.

I went with Kin Insurance. About $1200/yr. No local agent.

[hollyrich2]

I’m happy to provide a quote. Allstate is not writing property insurance however; I can provide quotes from our Allstate partners. Please feel free to contact me 954-437-9220 ext. 308 or email hrichardson4@allstate.com. I’ve helped several people in The Villages secure the proper coverage and save them money.

Thank you,
Holly Richardson

[MX rider]

As someone else said, call a broker.

3 years ago we were recommended by another villager to call HH Insurance in St Pete. They deal with over 40 highly rated insurance carriers and shop for the best deal every year.

They have great customer service and acually answer the phone. Many others did not when we were shopping around. Some didn't even return my call.

We have our home, cars, 2 motorcycles and our golf cart with them. They get you quotes quickly and you don't have to go there. Everything is done thru email.

On our home they gave us 3 detailed options, sort of a good, better, best deal. All 3 were listed side by side so we could compare coverage deatils.

Get Instant Quotes on Florida Insurance | HH Insurance

[defrey12]

Originally Posted by Normal

Insurance is the leading cause of our housing market downturn and why Florida as a whole lost a half million people in our population last year. Shop around and I’m sure you will find rates much cheaper. Rates will go up yet again this year because of Milton etc. Our insured neighbors are insured by Progressive insurance and say their rates are only 2,200 per year.

Same CYV, USAA—$1300/yr…and it went up $50 this year.

[mraines]

Originally Posted by starflyte1

I have received my insurance premium due from AAA. I have been a customer for over 12 years. Now I find I don’t have an agent but am assigned to Member Service Center.

And a premium of $4,127.77.

Can anyone recommend AAA agent they’re happy with at Spanish Springs office? I need an agent to try and explain this.

There is an office on Bichara Blvd. I don't know why your premium is so high. I have home, car, golf cart and a liability policy and my premium is not that high. I have found them pleasant and helpful anytime I have called.

[rsmurano]

I lived in a different state and when my house became vacant (moved into my new house before selling our old house) our premium went up bu 50%, just for a few weeks.
As for home sales here, I would think/know there is still a lottery for all new homes/lots for sale. Dozens and many dozens of people try to buy the same property. My friends lost out on 1/2 dozen of bids to buy. If we were hurting for sales, you would be think the lottery would be the 1st to go

[It's Hot There]

Originally Posted by Rocksnap

Curious how a storm could know when a house is vacant?

Google is your friend...............

Vacant homes cost more to insure because they are a greater risk to insure than occupied homes. Unoccupied and vacant homes often pose a greater risk of damage, and most home insurance policies will deny claims if your home is left vacant for more than 30 days. Vacant home insurance is designed specifically for a home that will be empty for an extended period, and it costs 50% - 60% more than a standard insurance policy for an occupied home

[Normal]

Originally Posted by defrey12

Same CYV, USAA—$1300/yr…and it went up $50 this year.

That’s a great price. I definitely would stick with them. I’m wondering what a designer home would cost through them. Hopefully at the most 2500?

[jacqueline larsen]

AAA is not an insurance company. They are a broker for several companies.
Deal direct with insurance companies. I have Kin = 2,200.

[jcgrether]

Big difference between vacant and unoccupied in eyes of insurance companies. Generally being unoccupied is not an issue for rating. Unoccupied is temporary, vacant is truly vacant….empty house.

Originally Posted by retiredguy123

I thought that there was an additional insurance cost for a vacant house. If not, there should be. When your house is vacant, the risk to the insurance company is higher.

[jcgrether]

Originally Posted by jacqueline larsen

AAA is not an insurance company. They are a broker for several companies.
Deal direct with insurance companies. I have Kin = 2,200.

Actually, the Auto Club Insurance Company of Florida (AAA) is a company. AARP only acts as an agent. In Florida and a limited other states ACIC writes homeowners and auto.

[retiredguy123]

Originally Posted by jcgrether

Big difference between vacant and unoccupied in eyes of insurance companies. Generally being unoccupied is not an issue for rating. Unoccupied is temporary, vacant is truly vacant….empty house.

You are correct that there is a difference between vacant and unoccupied. But, in either case, some insurance companies will charge an extra premium or even cancel a policy for a vacant or an unoccupied house.