Just some food for thought ...
 

The reason I believe that The Villages Insurance requires those who are seasonal residents (not full-time permanent residents) to have a Home Watch Service is to be sure there is a watchful eye, for the homeowners best interest. For example, if you God-forbid, your home would start to show signs of crack lets say, your Home Watch Service should immediately let you know as this maybe the onset of a much larger problem. Or, lets say, someone left for an extended period of time and forgot or didn't know, to shut their main water off. Let's say a pipe burst, if you had someone in there checking once per week, could be a lot less damage than if you were gone for 6 months.
The reason I am giving these examples is I know from experience. I own and operate a service here in The Villages, which I can't not say due to no longer advertising on this site but am also listed with The Villages Insurance as one of their recommendations. And, you must be insured and bonded to be on their list. Just protect yourself from a fly-by-nighter. Makes sense to me.

It is not true that you can not get sinkhole through the companies that Allstate Agents represent. Call The McDonald Agency..Palm Ridge Plaza 259-3825 or 347-9201.
Southern Fidelity still includes sinkhole with no inspection for Sumter County. Premiums higher. The other companies require inspection but high % are approved for sinkhole.

You may want to speak to your agent about what the sinkhole insurance covers. If I'm not mistaken the state of Florida requires those who cover sinkholes to only cover for the loss of your home if it is made uninhabitable by a sinkhole. In other words, your entire yard can vanish and you aren't covered. My agent confirmed this, and told me that there is no blanket coverage for sinkhole damage, only for damage that makes the house uninhabitable.

Isn't the homeowner insurance on unoccupied (3 month or longer) property very high in price here in The Villages?

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