I switched to Kin over a year ago, good rate. This year I got my bill and it was up 150%. I called and was givin the ole run around (all the new roofs, the state is mandating the increase, etc. etc.). I now have Farmers. Same coverage $200 less that Kin was last year.

Be careful with KIN. "REPLACEMENT VALUE" is an option with them which they don't make obvious up front because it makes people think they are saving more that they do if something ever happens. One's 20 year old roof might get replaced with 20 years of depreciation of the replacement cost.

QUOTE=bsloan1960;2129662]Link to story: Florida’s homeowner’s insurance crisis hits The Villages – WFTV

I just spotted this. Is anyone being affected by this / have ideas get affordable insurance?[/QUOTE]

I was effected by home and car. I had progressive and my car insurance went up 400.00 last six months now another 700 this six months. We had no tickets or accidents and drive our cars less than 5000 miles per year. Golf cart went up 200 for the year and home owners 800. So I contacted Felicia Russell with Allstate in wildwood. She packaged all my insurance and for the exact coverage my whole bill was approx 2000.00 less. So I had her write all new policies. She is professional and really cares about you. I spend two hours in her office and got what I wanted for less. If you haven’t already call her she knows her business

Ginormous Insurance Rates and Property Tax Increases add up
to For Sale signs … This place ain’t that Great

If you live in an area where cars are commonly stolen, EVERYBODY pays more for insurance, even if you've not had your car stolen...

Dumped them a few years ago when our premiums almost doubled and they couldn’t find us any better deal. Did much better with an independent insurance agency outside the bubble.

Insurance
 

We are very good with AARP (The Hartford), bundled car and house.

Get ready for another bait and switch with Farmers, they did it to us. They want our 2008 installed archetuctual shingle roof, which is in very good condition, replaced. We have the money budgeted for a replacement, but not until it’s much closer to being necessary. When we do replace the roof we don’t want to have to worry about having to replace it again for the rest of our lives.

Give it a few years, from your join date of 2021 on TOTV I am guessing your roof isn’t more than a couple years old?

They're leaving in droves.
(But arriving in bigger droves.)

Which sinkhole insurance???, Kin and all fla. Insurance covers general sinkhole coverage.

Progressive just canceled me as of 12/24/22......received the letter yesterday

Same with us. I do not recommend Villages Insurance to anyone. We were trying to bundle with them. They gave us a quote which was Florida Travelers $500 more annually than the policy we already had with Travelers Florida, with the same identical coverage.
When questioned their answer was “that’s the way it is”.
We do as little business as possible anything tied to the developer.

You're out of touch with recent modern history of the roofing business and insurance in the Villages then.

Unscrupulous roofing companies spent an entire season climbing up healthy rooftops of homes, breaking off a piece of a single shingle, and telling the homeowner that this was "proof" that they needed an entire new roof that would be covered by insurance. They would take pictures of the "damage" from various angles, and submit it as evidence to the insurance company, so the homeowner didn't have to do a thing.

Meanwhile, the roofing companies were padding the damages, inflating the costs, knowing exactly what each insurance company would pay for a roof replacement.

The roofs - for the most part - didn't need replacing at all. Some of them really did have damaged shingles but those individual shinges could have been repaired, replaced, or even remained damaged if the damage was minor enough.

The companies scammed the insurance companies, made bank, homeowners got brand new roofs that they didn't need, and everyone else's rates went up as a result.

Meanwhile - as I live in a manufactured home, there are only a couple of insurance companies that will cover my home at all. We have a metal roof so we don't really have to deal with increases resulting from aging roofs, but our premiums are higher than houses because manufactured homes are considered less stable and a higher risk for damage/catastrophic destruction during hurricanes and other incidents.