[dmorhome]

Use to be a nice place to live.

[lindaelane]

I highly recommend State Farm. Their price is reasonable. They stand behind you if there is a problem. Many insurance companies, not infrequently, try to deny that your damage is covered if there is a problem. State Farm does not play this game.

[ThirdOfFive]

Progressive, through Villages Insurance. Haven't ever used them but our mortgage company loves them.

The cost of our policy went up as well, maybe $260 from last year. I called the agent and the percentage increase is pretty much over-the-board, considering inflation, probable costs of repairs, expense of building/replacement items shipped just about anywhere, etc. Ironically though I'm still paying about the same here as I was on a house in Minnesota, valued at much LESS than the home we have now.

It is all relative, I guess.

[G.R.I.T.S.]

Farm Bureau. Progressive canceled us if we didn’t reroof.

[PJackpot]

Originally Posted by jabacon6669

Looking for a new company. Currently with The Villages Insurance partners, they have written my policy with Cabrillo Coastal General Insurance. Two years ago my policy was $1300. Last year it went to $1700+, just got my new bill, $2700+. Outrageous. Over 100% in two years. Looking for recommendations, have till 12/11/22. Regards.

Southern Oak Insurance: Homehttps://www.southernoak.com
This is an insurance company, not an agency. $604 per year without sink hole coverage.

[PJackpot]

Originally Posted by SkylightRoofing

Stay away from Cabrillo Coastal, Harbor Insurance, Florida Family, Security First, American Integrity, or Kin.

They are small hedging companies that are nowhere near what national carriers are. When you begin to read the full policy and declaration, you being to see you are being duped into poor coverage.

I’m an independent adjuster and live here in The Villages

Those are not insurance companies, those are agencies.

[jrref]

One of the reasons insurance has gone up so much is because many were underinsured. With rising costs insurance companies raised the level of coverage which made many policies increase a lot.

[Wondering]

Originally Posted by jabacon6669

Looking for a new company. Currently with The Villages Insurance partners, they have written my policy with Cabrillo Coastal General Insurance. Two years ago my policy was $1300. Last year it went to $1700+, just got my new bill, $2700+. Outrageous. Over 100% in two years. Looking for recommendations, have till 12/11/22. Regards.

Why hasn't the governor and State legislature done anything about insurance companies price gouging?

[Marathon Man]

Originally Posted by dmorhome

Use to be a nice place to live.

Yes. And now it's a great place to live.

[Lisanp@aol.com]

I believe there is still a moratorium on writing any new policies in Florida post Ida so you might not be able to get this done before your renewal date, but you can cancel a policy and be refunded if you move it after it renews.

[OhioBuckeye]

Everybody helps pay for damages even if you don’t turn in a claim. Changing Ins. companies won’t really help.

[RickyLee]

Please clarify, these are insurance companies

[NoMo50]

Originally Posted by shut the front door

I switched to Farmers and my premium went down $400. If you go thru the villages agency, check the company price on your own, it will be a lot less. I've never understood why anyone pays someone to find insurance when it can be done so quickly and easily on your own.

It does not work that way. An insurance broker, such as The Villages Insurance, cannot charge a premium that differs from what the underwriting company imposes. That would be illegal. In every state, insurance companies must file their rates with the appropriate state regulating agencies. In Florida, that is the Florida Office of Insurance Regulation.

Insurance brokers, as well as captive agents, are paid a commission by the insurance company. Even if one buys a policy online, there will be a commission component that some entity will receive. Can you do better by doing your own insurance shopping? Sometimes, yes. But if you are comparing true apples to apples, through the same insurance company, the answer is no.

Some people, when doing their own online quote shopping, tend to omit certain factors that might negatively impact their rate. Things like claims history, credit rating, age of roof, certain discount parameters, etc. But trust in the fact all truths will come out during the underwriting phase. With the databases the insurance companies use, they know more about you and your home than you do.

The bread and butter of any insurance brokerage are renewal commissions. It is in their best interest to find you the best rates possible, and keep you as a customer year after year.

[Birdrm]

Well my first year was good with Villages Insurance but then the next year best they could do was about a 50% increase from the year before. I went outside to an insurance broker who scanned 26 different companies and got me a policy for 20% less than the original!

[Snowbug]

Originally Posted by jabacon6669

Looking for a new company. Currently with The Villages Insurance partners, they have written my policy with Cabrillo Coastal General Insurance. Two years ago my policy was $1300. Last year it went to $1700+, just got my new bill, $2700+. Outrageous. Over 100% in two years. Looking for recommendations, have till 12/11/22. Regards.

Nathan Thomas State Farm.