[Happinow]

We are looking to lower our insurance premiums....getting insurance poor! Need, homeowners, car/cart, flood, sinkhole. Anyone have good experiences with filing and getting a claim paid, if necessary? Been reading some reviews on various companies...State Farm, Farmer’s Progressive, and there wasn’t one positive experience with any of them. We are currently insured through Progressive. Thanks.....

[vintageogauge]

We have Traverler's on home and progressive on cars, can't seem to get a package that is cheaper. We like to carry high liability coverage and a lot of the homeowner companies don't offer it.

[rjm1cc]

Very good experience with AAA on claims. Home and car together will give you some benefits. I think Golf carts usually go with a different company. The amounts of the coverage may have a little room to reduce. Especially personal property. You probably have an add on for hurricane. Flood - do you think your home can flood? You might be able to droop if the home site was well designed. Sink hole is a problem if you think you are prone to sinkholes. Remember you basic policy covers your home if it is destroyed by a sinkhole. The additional sinkhole policy covers the repairs if the home is not destroyed. Increase your deductibles.
The age of your home will also affect your insurance cost. Around 15 years old for a roof is also a premium problem. If you get a new roof talk to your insurance broker to see what type of shingles, nailing, wind mitigation etc you should do to lower your premium.