[MikeC]

I too had insurance through The Villages Insurance ever since we purchased in 2017. Trying to find an agent was always an issue. Prices seemed to be ok until this year. We switched all of our insurance to State Farm, Kelly Matz, and have more coverage on our home, much lower deductible on sink hole, same level of auto insurance in 2 vehicles, golf cart insurance on 2 cars and we even added an umbrella policy and we saved money PLUS it was no issue finding someone to talk to at the office about our needs. So glad we made the change

[Barbgf]

What I would like to know is if you added flooding or any sort of water damage to your policy, which would increase the premium. Since storms seem to be getting worse, we are seriously considering adding this to our policy.

[socrafty]

Originally Posted by sdeikenberry

Be careful moving to another company, and you may want to check Progressive to see if they themselves are actually insuring you...or are they putting you in the Florida insurance pool. When we shopped around this past January, two companies we quoted with wanted to insure us through them but in the Florida insurance pool. Sure, the premiums were lower...BUT...you don't want to be in that pool unless you have absolutely no other choice. The main reason is that pool can assess you any difference between what the payouts are and the income. For example, if we have a bad hurricane and 20 million in damages are paid out but the pool only has 10 million in reserves, the pool will bill all insurers for the balance due...in addition to your annual premium. The other reason is the amount of homes being covered and paying into the pool is ONLY in Florida, so the risk of being billed the overage amount is high...and the coverage isn't that great either.

Are you talking about an Exchange? We use The Villages Insurance and have had Tower Hill the past 2 years. We got our renewal and our insurance went from $1400 to $1900 and they are now an "Exchange". From the little I read about exchanges, they make me nervous and I don't want anything to do with them. We are in the process of getting quotes now. FYI, State Farm will not insure your home if it was built before 2004, ours was built in 1999.

[GaryKoca]

Same experience as others. Our rate from Progressive went up from $1100 to $1700. Tried other insurance companies but none were really much cheaper. Some wanted us to bundle with car, but we bundle up North. Others were more expensive. KIN was $6 more for the exact same coverage, so why change? We kept Progressive.

[Riversong]

Originally Posted by GaryKoca

Same experience as others. Our rate from Progressive went up from $1100 to $1700. Tried other insurance companies but none were really much cheaper. Some wanted us to bundle with car, but we bundle up North. Others were more expensive. KIN was $6 more for the exact same coverage, so why change? We kept Progressive.

Is that $1700 monthly or annually? I am waiting to retire an move to TV from South Florida where I pay $21k a year for homeowners insurance. Can’t wait to get there!

[seecapecod]

Originally Posted by vintageogauge

As with most of us, my premiums went up on my homeowners policy, mine is through Progressive via The Villages Insurance. I called The Villages Insurance this morning. After being on hold for nearly 10 minutes a young lady answered and I asked to talk to someone who could advise what I might do as far as changes in my policy to reduce my premiums. I was put on hold, and when she came back I was told the next available agent would be able to talk to me next Tuesday that's five days from now, they don't need my business and they will no longer have my business. I am looking for a new agency, any referrals would be appreciated

If you have Progressive I assume your roof is less than 10 years old- the first home we purchased in The Villages had a new roof, we used AAA and had our policy through Progressive- bundled home and auto and they were the most cost effective. Unfortunately in the house we just purchased Progressive would not cover it because the Roof is 12 year old so we bought through Kin Insurance with a prorated claim payment approach- they too doubled from April 2022 $900 to April 2023 $1800+

[Lorainer1r]

I had the same thing happen last week. I changed to State Farm Tuesday

[csricksdds1]

Let's hear it for Progressive...they just put a new roof on my nine year old house and chalked it up to a small hail storm we had a few months back!

[Black Beauty]

We've added flood insurance

[Dlbonivich]

Tim Bascom Allstate (352) 753-1177
I refer all my customers to get a quote from him. He has Allstate but also brokers other insurance carriers. Good Luck!

[Dlbonivich]

Flood can be bought through any agency, but it is through FEMA and it is separate. Make sure if you want it for this season you buy a month in advance. It takes 30 days to to effect

[westernrider75]

Originally Posted by vintageogauge

As with most of us, my premiums went up on my homeowners policy, mine is through Progressive via The Villages Insurance. I called The Villages Insurance this morning. After being on hold for nearly 10 minutes a young lady answered and I asked to talk to someone who could advise what I might do as far as changes in my policy to reduce my premiums. I was put on hold, and when she came back I was told the next available agent would be able to talk to me next Tuesday that's five days from now, they don't need my business and they will no longer have my business. I am looking for a new agency, any referrals would be appreciated

After that exact same experience we changed all our business to State Farm on Warm Springs Rd.

[Gunny2403]

I left them. Homeowners increased by almost 80%. Bought new policy from Kin. Policy increased 90$ for similar coverage.

[Janie123]

Originally Posted by vintageogauge

As with most of us, my premiums went up on my homeowners policy, mine is through Progressive via The Villages Insurance. I called The Villages Insurance this morning. After being on hold for nearly 10 minutes a young lady answered and I asked to talk to someone who could advise what I might do as far as changes in my policy to reduce my premiums. I was put on hold, and when she came back I was told the next available agent would be able to talk to me next Tuesday that's five days from now, they don't need my business and they will no longer have my business. I am looking for a new agency, any referrals would be appreciated

I use an insurance broker and have Safe Harbor Insurance with Cabrillo Coastal. Designer home has a new roof as of a few years ago. I pay $1300 and a bit a year for $350k with a $1000 deductible, 2% hurricane deductible. I have not seen anyone on these posts have anything much better.

[Janie123]

Originally Posted by Riversong

Is that $1700 monthly or annually? I am waiting to retire an move to TV from South Florida where I pay $21k a year for homeowners insurance. Can’t wait to get there!

I pay $1300 a year for $350k coverage.