[Laurawilcox]

May I ask you asianthree who you insure under?

[hollyrich2]

I’d be happy to provide a quote for your home and flood insurance if you choose. Allstate is not writing property insurance however; we have multiple Allstate partners I can provide quotes from. The age of your roof is a huge factor. Allstate is writing flood. Please feel free to contact me 954-437-9220 ext. 308 or email hrichardson4@allstate.com. I’ve helped many people in The Villages secure the proper insurance and save money.

Thank you,
Holly Richardson

[USNA87]

Originally Posted by Pairadocs

…..but doubt you can find a company with an annual premium of $560.

That would be $5,600.00 a year.

$560 would be nice.

[USNA87]

Originally Posted by DAVES

People do not seem to understand what insurance is. You pay a company to accept all or part of YOUR RISK for a loss. It is a numbers game. Different companies may consider the risk higher or lower than others. You can choose to self insure-not buy insurance. Probably not an option if you have a mortgage on your home. You can choose a high deductible. You are self insuring the first-whatever the deductible is.

OP here. ALL are great at taking your payments. Paying on claims is a different story. You mention USAA. I believe you buy that from the company direct-not through a broker. We use Villages Insurance-been happy-MOSTLY. We've been in the Villages for like 11 years and had Progressive insurance. Progressive decided they had too much risk in Florida and pulled out-refused to renew a percentage of policies. We lost the lottery and had to find another company.
Seems Desantis has forced them to???? We never had a claim. Recent hurricane. New company inspected our roof and it past. We lost roughly 100 pounds of roofing shingles. I picked them up and put them in a box. Did not weigh the box but at least 100 pounds.

The adventure.Called the broker got recording-closed due to hurricane call insurance company direct. A pleasant surprise. The insurance company sent an adjuster in a day or two. Behind the adjuster there was a crew covering the roof with tarps. We just had a new roof installed. Cost us our contracted deductible roughly 7500. There is a higher deductible for hurricane damage. WE WON. Companies and numbers game. Floods are not likely in THE VILLAGES. We do not have flood insurance. .Neighbor. Same storm, same insurance company. Water came into their home.
That is flood damage and you do not have flood insurance-NOT COVERED. What can I say but HUH.

Thank you for sharing your experience and insights. It is always good to review how insurance works, and I concur with your explanation. Your hurricane story highlights how unpredictable claims can be, and it’s a good reminder to review deductibles carefully. I’ll definitely look into brokers who can help us navigate the complexities in The Villages and Florida. Thanks again!

[asianthree]

Originally Posted by Laurawilcox

May I ask you asianthree who you insure under?

Original post…family owned brokers our policy.