[Freeda]

We are very happy with Kin Ins. Our renewal in Feb 23 did increase by $400 but was still way less than several other companies and agents we checked with.

[OhioBuckeye]

Just because you buy from a local agent & Ins. company doesn’t mean they’re going to be cheaper. I agree with another person, I look for cheaper rates & make sure I’m getting Apples for Apples, I ask them if I do have a claim I make sure I get to talk to a live person & not a robot & don’t have to push a bunch of buttons & have to listen to music for 10 mins. also a English speaking person that I can understand! But the biggest thing is that you’re getting the exact same coverage.

[retiredguy123]

Originally Posted by OhioBuckeye

Just because you buy from a local agent & Ins. company doesn’t mean they’re going to be cheaper. I agree with another person, I look for cheaper rates & make sure I’m getting Apples for Apples, I ask them if I do have a claim I make sure I get to talk to a live person & not a robot & don’t have to push a bunch of buttons & have to listen to music for 10 mins. also a English speaking person that I can understand! But the biggest thing is that you’re getting the exact same coverage.

I don't think insurance agents have any control over the cost of insurance. The premiums are established by the insurance company.

[OhioBuckeye]

You know if you’re watching any news broadcast our Ins. rate will be going up again next yr. because Pennsylvania & Mississippi just had a explosion & really bad weather. Now who do we think will be the ones paying for it, the ones that have the claims, well yea about 1/4 to 1/2 of it & the rest will be the one buying Ins. Why do we think the Ins. companies never go broke. It doesn’t take a Rocket Scientist to figure that out. Otherwise why do Ins. rates go up?

[joelfmi]

The cost of living in Florida has gone up a great deal in Florida from HOA fees, car and home insurance, taxes, It is not what it was years back. That is why before you move do your home work I suggest you read the tread of the 10 best thing to know before you move to Florida

[Roron123]

352-330-6768 Donna Demay at AAA

[Pinball wizard]

I have USAA and just had a call with them about how to lower my premium. They asked if I had a "Uniform Mitigation Verification Inspection" because depending on the rating it will lower my premium. I had never heard of this but I'm having an inspector, who is certified in this, come to my house this week to do the inspection and fill out the form.

I'll keep everyone posted on the results: cost of the inspection, the rating, and how much the savings was.

[Altavia]

Has anyone given thought to self insuring?

The risk here seems very low relative to othrer other areas in FL.

The only damage I've seen is lightening. Add a lightening protection system to mitigate that.

[OhioBuckeye]

You’re exactly right but all I mean is don’t buy just because they’re close & easy to get to. Just buy from another Ins. company because they’re giving you everything you want. When we lived in TV we bought from a local agency because we got Apples for Apples plus When I called about a question we talked a live person & not some recording.

[kkingston57]

Originally Posted by jojoturf

Recommend Drew Parks at Allstate, 352-561-8472. Local rep in Wildwood. Allstate sells under the name of Castle Keys in Florida, fyi. Allstate was $600/yr less than Villages Insurance quote for our new home.

Not for long. Per recent news Castle Keys intends to increase rates by 50%.

[kkingston57]

Originally Posted by OhioBuckeye

You know if you’re watching any news broadcast our Ins. rate will be going up again next yr. because Pennsylvania & Mississippi just had a explosion & really bad weather. Now who do we think will be the ones paying for it, the ones that have the claims, well yea about 1/4 to 1/2 of it & the rest will be the one buying Ins. Why do we think the Ins. companies never go broke. It doesn’t take a Rocket Scientist to figure that out. Otherwise why do Ins. rates go up?

Might want to check and see how many Florida based insurance companies went bankrupt in last several years. More than likely they went under since they did not SPREAD the risk. This is a big part of the problem. Nationwide(not the company) do not want to do biz in Florida.

[Salty Dog]

Originally Posted by Pinball wizard

I have USAA and just had a call with them about how to lower my premium. They asked if I had a "Uniform Mitigation Verification Inspection" because depending on the rating it will lower my premium. I had never heard of this but I'm having an inspector, who is certified in this, come to my house this week to do the inspection and fill out the form.

I'll keep everyone posted on the results: cost of the inspection, the rating, and how much the savings was.

I had USAA with my previous home at Royal Highlands. It was about 15 years old with the original roof when I had this Inspection completed. My yearly policy premium dropped more than the cost of paying for the Inspection which at that time was about $100.

[Pinball wizard]

Originally Posted by Pinball wizard

I have USAA and just had a call with them about how to lower my premium. They asked if I had a "Uniform Mitigation Verification Inspection" because depending on the rating it will lower my premium. I had never heard of this but I'm having an inspector, who is certified in this, come to my house this week to do the inspection and fill out the form.

I'll keep everyone posted on the results: cost of the inspection, the rating, and how much the savings was.

I promised to return with more information. The Wind Mitigation inspection was done (took about 2 hours) and then submitted to USAA. This reduced my premium by $111/year. The inspection cost $175 so this was a very good return on investment.

She is licensed to do Wind Mitigation.
Sunbird Home Inspections
Debbie Odom
sunbirdhi@gmail.com
352-272-8150
sunbirdhomeinspections.com

[Keefelane66]

There was another post COMPLAINT about a walk in to a medical lab waiting 45 min because no appointment.
The Village Insurance is not you friend move on
🟦

[charlieo1126@gmail.com]

Originally Posted by Altavia

Has anyone given thought to self insuring?

The risk here seems very low relative to othrer other areas in FL.

The only damage I've seen is lightening. Add a lightening protection system to mitigate that.

February 2 2007 a tornado came through villages I had $138,000 worth of damages to home and $5,200 damage to my Nissan off road Xterra , since 2007 my highest insurance bill was this year April I believe it was around $1, 400 I’m 84 I don’t have enough years left to break even if I had self insured lol , so good luck with that self insurance if you try it