[ithos]

Originally Posted by banjobob

I was told by Progressive they would not
write home insurance in Florida. Does anyone have Progressive here?

How long ago was this? Maybe before Progressive bought ASI. ASI started out in Florida. I have had them for 5 years.

[rockyhyder]

Try AAA in The Villages.

[rphil11ort]

make sure you price out usaa every couple of years. they can get very expensive in a short timCe. My cousin has a condo in Casselberry and they are charging over $3000 per year and she has been with them for 40 years and only 1 claim in all that time. same thing happened to me with Liberty Mutual

[Velvet]

I am having a hard time getting a good photo of map of sinkholes in TV. What I did was search for the Sticky thread, then the post: (best I can do, hope it helps.)

[newgirl]

Do they insure your auto and cart too?

[DaisyDE]

Can you chat with some neighbors? You can find their names through the tax assessors office. For Sumter it's sumter-a.com, not sure about the other counties. Once you have a few names look up they numbers in TVs telephone directory.

[DAVES]

Originally Posted by Cheryl Barrios

I am in the process of buying a home and have to provide insurance. I was just denied insurance by Progressive because of a sinkhole 0.2 miles from the home. I am totally unaware of any sinkholes in the Village of Sunset Pointe. I have contacted the realtor but it's too late to contact anyone else. Does anyone know of a sinkhole(s) or know about denial of insurance due to them? Now I'm lost on what to do.

Insurance is not flexible the company does a risk analyses and decides what to charge for a given risk or perhaps to refuse to insure that risk.

Different companies may decide a different risk.

Simply stated, I would contact one of the insurance brokers in the villages. I am surprised your realtor does not know or know who will find an answer for you.

[LeeM]

Try AAA they do sinkhole insurance on resales.

[Leesburg]

Try All State.

[Cheryl Barrios]

No, I have never used Progressive for anything. I wonder how some people are getting coverage through them though.

[RedFoxRick]

Zoom-in to see the sinkhole detail. This should be required to be part of the Real Estate disclosure.

Map Direct v7

[DonnaAgostini]

Try Farmers in Ocala.

[jmlarsonx2]

I learned of the sinkhole insurance issue buying my first Florida house in Winter Garden ten years ago. Now I check the address with my insurance carrier (USAA) before making an offer on any Florida home. I won’t buy a house that’s difficult to insure, because some day I will need to sell that house, and now your buyers will have the same difficulty.

[jnieman]

I would ask your insurance agent for advice. They have seen a lot of issues with sinkhole insurance. Beware that if it is a problem when you buy the house that it will also be a problem when you try to sell the house. I used to quote homeowner's insurance and all companies have access to the data of how far the house is to a sinkhole. I've seen people try to buy houses that have had sinkholes that were remediated. They had no luck getting insurance at that time. Not sure what it is like now.

[Laker14]

One thought I have about buying sinkhole insurance is that you may pay premiums for years, and never have a claim. In fact, that's what is most likely, and that's all good. You buy the insurance for peace of mind and hope you never need it. However, I have a feeling that if the area were to have an increase in sinkhole activity, say 2 or 3 times the number currently plotted, you still would be unlikely to be the claimant, and if you are one of the 99.9% not involved, my guess is that the insurance companies will ALL bail out of writing policies. The fact that you can get a policy now is no guarantee you will be able to get one later, should a few more sinkholes appear.
I am beginning to come to the thinking that living with sinkhole risk is just one of those things that comes with the fun of living in this area. We'd all like to avoid that risk at a small price, but that may just become impossible.