Talk of The Villages Florida - Rentals, Entertainment & More
Talk of The Villages Florida - Rentals, Entertainment & More
#31
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I live in Miami I pay about 6000 a year. [2800 square feet] What I did to get it so low and I did mean LOW was to meet with my insurance person she had some great ideas to get it down. There are no other companys here.
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#32
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There is a downside to shopping every year. If you have a claim and you have a huge premium increase you may not be eligible for another policy with a new company. Also a company that offers you a much lower premium may not be collecting enough premium to actually pay their claims, purchase adequate reinsurance after a catastrophic loss. The old saying that if it sounds to good to be true it probably isn't applies. I do agree that having a local agent that you can actually walk into their office and talk about your polices is worth paying a few dollars. After all we buy insurance to protect our investments. Having an agent who recognizes that and understands coverage's is priceless.
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#33
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My prime criteria in seeking coverage is a local agent, name with a face. Too mnay companies, like State Farm have grown too big and have lost the customer is king attitude.....a disease that is quite prevalent here in TV due to the sheer volume tha is brought to many businesses by TV expansion. Another point to make is depending who one insures with and who their re-insurers are affect their rates. If one is with a high claim rate re-insurer, increases are a way of life....with no additional service or coverages....and in some cases increases with select coverage reduction or elimination. The State Farm comment that had me laughing in their face here locally was we can get our premium to be more like what your used to having, all we need to do is reduce the coverages!!! No Thanx State Farm. |
#34
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I've always trusted USAA for auto and property insurance because I believe they will absolutely do their best for me in case of an accident or loss, as they always have in the past. Basically, I'm very loyal to USAA and have been willing to pay slightly higher premiums over the decades for that confidence. But now you got me thinking! Maybe I should shop around. It's not like my wife or I have had a claim of any sort in the last 15 years, and we drive even less now. |
#35
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I used Challenge My Rate. Takes one minute to get a quote from all the major car insurance companies. I also used them for my home owners insurance.
Challenge My Rate |
#36
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Great rates don't mean great service, for that matter neither do local agents with a face. Claims are handled by the insurance company adjusters, not agents.
For all of you that have ended up with the largest private homeowners carrier in the state, good luck! No doubt plenty of friendly agents have placed a lot of people with these clowns. The company did agree and pay the fine. Largest private insurer in Florida fined $1.3 million for long list of violations | Tampa Bay Times |
#37
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#38
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[QUOTE=bimmertl;818368]Great rates don't mean great service, for that matter neither do local agents with a face. Claims are handled by the insurance company adjusters, not agents.
For all of you that have ended up with the largest private homeowners carrier in the state, good luck! No doubt plenty of friendly agents have placed a lot of people with these clowns. The company did agree and pay the fine. Largest private insurer in Florida fined $1.3 million for long list of violations | Tampa Bay Times[/QUOT Do not confuse them with a Universal of North America. Two different companies |
#39
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USAA hasn't written a new policy in Florida for several years. For our particular area the potential for hurricanes and sinkholes has lead to the USAA decision to control risk by simply not creating exposure by writing new policies. The result seems to be that the limited number of insureds they have here must carry the brunt of any losses the experience here.
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Politicians are like diapers--they should be changed frequently, and for the same reason. |
#40
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#41
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Who quoted your USAA policy? |
#42
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That is another factor in rate increase.
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It is better to laugh than to cry. |
#43
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You mean an A or better rating from AM Best, and the company should be admitted in the state of Flroida. A.M. Best Company
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#44
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I just found that out this AM. I called to upgrade our insurance because we are adding some space to the house. Then I thought I would shop the policy since we have been with TV insurance agency for seven years. WRONG. Allstate also told me this AM that they have not offered sinkhole insurance for three years AND advised me to stay where I am if I have sinkhole insurance already.
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The Villages, Florida |
#45
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I quote out my policies every year before renewal and it always works to my advantage!
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Closed Thread |
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