[Babubhat]

First rule of procurement. Get many quotes.

[gatorbill1]

Originally Posted by jdulej

I'll second the vote for Progressive. But, also shop around a bit.

Does Progressive do sink hole coverage now??

[asianthree]

Our homeowners increased by $1800. We called Kin, recommendations from 6 friends. Not loyal to any insurance, so if I am not happy at renewal, will review what’s available

[JGVillages]

Originally Posted by billethkid

They did...OP states roof one year old!

FREE or PAID FOR new roof?

[rustyp]

Homeowners like it when the value of their house goes up. But the opposite side of the formula is home insurance and property taxes also rise with assessment values.

[Papa_lecki]

Originally Posted by rustyp

Homeowners like it when the value of their house goes up. But the opposite side of the formula is home insurance and property taxes also rise with assessment values.

Is homeowner’s premium a product of house value or replacement cost? Inflation and supply chain issues caused the cost to replace the home much more expensive.

[Bjeanj]

Originally Posted by Papa_lecki

Is homeowner’s premium a product of house value or replacement cost? Inflation and supply chain issues caused the cost to replace the home much more expensive.

Every other place I’ve been, it’s been a product of replacement cost. Here, it seems to be home value.

I called my insurance agent about calculating replacement cost on our home, and was told that the insurance policy value is for both home and any other structures on our property. As you know, we’re not allowed that here, so that value is added to the value shown for the home. So apparently there’s some “wiggle room” for what we would get if our home was destroyed.

Skeptical, but that’s what I was told.

[JMintzer]

Originally Posted by gatorbill1

Does Progressive do sink hole coverage now??

Yes. They did it for us, when we settled, back in February...

[staceygolf]

Originally Posted by retiredguy123

I have Progressive through The Villages insurance. No major increases in 6 years.

Try KIN Insurance. They saved me over $1.000

[skippy05]

clovered.com is all you need to have the best Florida home insurance quote.

[noslices1]

Originally Posted by Arctic Fox

Cypress Insurance Group has just increased our annual premium by 56%

No claims; roof now one year old

Who do you recommend?

Thank you

Farmer’s

[Luggage]

I have to different with you on whether or not the insurance agent has time for just your policy. Is something called computers today and it's really automatic to be able to shop for new policy quotes. If the agent isn't willing to do it they're not worth their salt They get a nice percentage every year for very little work

[thevillages2013]

Originally Posted by CWGUY

Have another coffee...... No claims and a new roof suggests to me they PAID for it..... a lot of us paid for roofs and got rates hikes to pay for the free ones!

The house could be one year old too. Just saying

[Petersweeney]

I’m on 3rd policy in 5 years - they give good price when you sign up but the second year they bonk you over the head even with no submitted claims…I’m current with farmers….

[NoMo50]

Originally Posted by gatorbill1

Does Progressive do sink hole coverage now??

Yes.