Can you just get homeowners liability insurance and not get coverage on the home?

I don’t want to get sued if someone falls and gets injured but I might be willing to take my chances on property damage to the house.

Commercials
 

Boy dont you just love their commercials..................:shocked:

Now AllState will do the same thing to you. No we can't win

I wonder if a member only co-op type of homeowners insurance would work? Each claim could be looked at for validity. Members would agree to only ask for legitimate repairs and not damage due to neglect and lack of maintenance or upkeep

We were dropped by Progressive in the spring. Our home was not ten years old. We were told they’re pulling out of Florida.

I wouldn't buy insurance from Allstate if it was free. When they pulled out of Texas, they showed up at the CLOSING of my last house to inform me that they wouldn't be insuring the house they'd already signed onto. They brought some no-name outfit to take over. This was on a house 80 miles from the coast that had survived THREE cat-5 hurricanes in the past 10 years with NO DAMAGE. And this was a customer who had given Allstate ALL his insurance business for over 40 years, with only one claim -- from a TORNADO in TULSA.

If the idiots would just look at their own data, they would discover that all of that catastrophic damage they are running from occurs within 10 miles of the coast. A Cat 5 is a Cat 1 by the time is crosses 80 miles of land. They might also discover that a guy bright enough to pay his bills on time for 40 years doesn't buy a house that has to be rebuilt every decade. They might discover that they could make a killing if they'd quit insuring deadbeats and idiots on the beach, and quit selling full replacement cost insurance to the rest for the only part of a house exposed to a simple hail storm.

There is plenty of stupidity to go around in this stupid Florida insurance crises, but most of it can be laid at the door of intensely stupid insurance companies like Allstate.

I have flood on my home in Cape Cod (MA) try TFIA The Flood Insurance Agency- they write through Loyds of London. Some quotes were $10-20k I pay $2200/year. Not sure if the will cover in FL but worth a call!

You have lots of company.

Hopefully others will post some recommendations on this thread.

I’ve used the same State Farm agent for 30 years . I bought a new house here in December 2022. My insurance is only $1400 a year! I called her to make sure that was correct. In Fort Lauderdale was $6000 a year.

Not stupid based on all time stock price.

The Allstate Corporation (ALL) Stock Price, News, Quote & History - Yahoo Finance

Sounds like 3 mos is ample time.
 

Got my notice today for January. Already paid premium, so i'll keep them until then anyway

Greedy Insurance Companies? Dont agree. Greedy residents, maybe.
 

Fewer and fewer insurance companies are choosing to do business in Florida, both because of raapidly increasing costs due to ever worsening storms due to climate change. But the whole roof thing is a loophole in Florida's regulatory process that allowed people to turn minor roof probelms into a new roof under insurance. Florida basically goves them that option with littl tweaking needed. Its been a sore spot forever. There have been attempts to chnge that, but ot my knowledge it has never happened. The companies and their hundreds or thousands of employees need to remain a viable company. And no one can disagree that the summers are getting hotter and storms - all over the country - are getting more severe and more coommon.

When we lived in a village above 466, neighbors saw our old roof and bragged about how they got a new roof for free so thats what we should do. It was simple for us. The roof was old and we werent going to play games. All these free roofs have been a real factor in increases for everyone. In the end, there are no free roofs, we all pay.

Not sure how umbrella policies work, but you could look into an Umbrella policy.

Thank you!

My thoughts as well since umbrella policies are typically through the car insurance underwriter - my experience anyway.