I use Tower Hill. Premium on new home in TV less than $600.00 a year with catastrophic sink hole. They cut my premium in half on my 20 year old previous home compared to The Hartford from AARP. They are AAA and have been in FL. about 50 years.

Roof advice
 

Thank you Neils for the information about roofs with defective materials.
My husband and I live in a 4 y.o. house. Almost all of our neighbors have had their roofs replaced.
Where do we start ? Who should we call first?

When we first moved here in 2012 very few companies were writing homeowners policies due to so many hurricane claims. I had never heard of the company we had to use. Eventually State Farm started writing policies here again. We went back to them.

Don’t be so sure about that. Our premium with American Integrity skyrocketed so I contacted The Villages Insurance, who we have been a loyal customer of for all of our Florida insurance needs. They searched their portfolio of homeowners Insurers they are an agent for and could not find a better rate. I really didn’t want to change to another Insurance agent, but The Villages Insurance was no longer making the grade. I contacted and independent agent in Leesburg who got us an excellent policy with Farmers Insurance that saved us big $$$$$. I also switched my auto and golf cart insurance to the new agency and set it up so all the policies renew on the same date. Now I will only have to deal with the whole insurance thing once a year for everything.

Our kids had no problem getting usaa for their coverage on homes. Just needed correct information on their parents military records. One is closing on a home next month with a new policy from USAA. None have lived in our home for close to 15 years

USAA does insure in Florida. Switched to them last year.

Do you know that for a fact; and, if so, please point us to links that support this statement.

We had our roof replaced under our homeowner's policy, after our roof was surveyed by the insurance company's adjuster and the repair approved, in advance, by our insurance company. Note that I write "insurance" company not "roofing" company.

During the repair, the installers found and replaced three, 4' x 8' pieces of underlayment, done at no additional charge to us, after having been approved by the "insurance" company.

Our out-of-pocket expense for the job was the deductible on our policy.

Having been in the insurance business for nearly three decades, please believe me that insurance companies WILL NOT spend a penny unless they feel that the expense is in their best interests.

So there commercials on TV are BS.

I had USAA from 2011 until 2018, their rates were better in the beginning. I switched in 2011 because I was in Maryland and the company I was with went up $700 for two cars. USAA was cheaper than the price I was paying before. I was paying $901 and then it jumped to $1600, I had no tickets, I only bought a new car, a 2011 Mazda 3 Grand Touring, I traded in a 2007 Hyundai Santa Fe. USAA was $850 for both the Mazda and my other car, a Chevy Lumina, so I switched.

Everything was going along fine, only had one car here in Florida and I was paying $440 every six months. In 2018 I traded in a 2017 50th Anniversary Camaro with 3,000 miles, it had a sticker price of $39,500, my cost was $29,900. I traded for a new 2018 Hyundai Kona Limited model, my price was $24,200. USAA raised my premiums to $500 every six months ($120 a year increase). I called and asked why did you increase my premiums when I bought a cheaper car? They couldn't answer me, they said it's all done by computer.

After calling a few places, I found AAA was only $410 for my new Kona and in fact the second year it went down to $360 every six months.

I had similar experience with USAA was very overpriced on 2013 model again this year I asked for a price quote for 2020 weren’t even in the ballpark of AARP Hartford

Other companies will also be sending non renewals to lower exposure.

not in our case. villages ins found us the best policy for what we needed. they compared costs openly & discussed everything along the way in person. maybe you needed a better representative. ours was great. feel free to pm me for more info

The homeowners insurance game
 

We have had Amica for years - top rated by consumer reports- and no problems until last year. When traveling to New Zealand to visit our daughter my backpack was left behind and lost on the way back to the US with Rx glasses, kindle, cash, credit cards, clothing and more. I filed a claim with my travel insurance and after MUCH messing around they said I had to file with my homeowners first. Amica paid fairly promptly and then the travel ins company said I already got enough and they would not cover any more.
THEN my Amica policy rate jumped for the next 3 to 5 years - forgot what they said I was so angry. We had cars, umbrella and house with them.
Very angry with them so I dropped them for home owners but car and umbrella still with them. Building a new house at TV and will consider switching everything to another company.

Ins policy now 3000 no claims, roof scams the reasons