We originally was going to go with the Villages Insurance, but if you really look at you really look at your policy, they used the PURCHASE PRICE of your house as the insured amount but that price has the lot in it, which won't be destroyed; it has the slab which most likely won't have anything happen to it AND it has the Developer's PROFIT in it, which is like paying insurance for "blue sky" and that's throwing money into the air. When we called them out on this, their reply was "that's how we do it". We immediately went to another company (Travelers).

Why Not use Progressive?
 

We have had Progressive for 6 years through The Villages insurance.

They were great with our two claims ... Roof during hurricane and water that came through window in front bedroom.

We have the 10% deductible for sink holes with them.

If you have some specific data to support this then share it. If this is just a factless opinion then spare us.

It is tough to walk away as most money is not refundable. They take your deposit and use it to pay for the house for the days it was not on the market and then if you find a house they will transfer the money.

I myself would never use Progressive. The best thing is to go to an agent in or near the Villages as they deal with it everyday.

Do NOT use any insurance company offered by the Villages. They will not help you when their companies deny your claim!! They were extremely arrogant when I asked for their help when Universal, who they sell, denied my roof damage claim. Avoid them like the plague!! Try Farmers and yes, get that sinkhole map !

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

Try AAA in The Villages.

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

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.)

Do they insure your auto and cart too?

Sinkhole insurance
 

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.

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.

Try AAA they do sinkhole insurance on resales.

Try All State.

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

Sinkhole Map
 

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

Map Direct v7

Try Farmers in Ocala.

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.

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.

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.

this interesting, but unfortunately, not dated, so I don't know if this information is still accurate. It seems to say that insurance companies are required to provide sinkhole coverage , although as a rider, with extra premiums. Of course, if it is accurate, they can effectively get out of it just by charging more than anyone would want to pay.
https://www.myfloridacfo.com/divisio...lapseGuide.pdf

Incorrect
 

Catastrophic ground collapse is included in property policies in Florida. Coverage has specific requirements for coverage. First, ground collapse must be sudden and damage to structure. This means if sinkhole opens up in yard, next door, across street and no immediate damage to structure there is no coverage.

Sinkhole coverage does not have those restrictions. Sudden and immediate damage not in coverage wording.

At one time sinkhole was included in all policies but the state changed the coverage to catastrophic ground collapse with restrictions and made sinkhole an optional coverage by endorsement. Companies had option of filing 10% deductible or all perils deductible.

Allstate and State Farm elected all perils deductible. That means if you purchase a $500 deductible and you qualify for sinkhole endorsement the deductible will be $500. There are a few other companies that elected all perils deductible but not sure who they are. The premium will be a little higher but a whole lot less out of pocket if you have a claim.

Having a local agent who is available to answer your questions, takes the time to explain coverage and go over the actual endorsement with you gives you a better understanding of how it works.

As for denying to write a policy due to sinkhole within certain radius...Yes companies can do this. When the state first changed the policy coverage in early 2000’s most every company ran a report on sinkholes by address. Many actually charged the client to run the sinkhole report and had you sign waiver that fee was non refundable if coverage was denied.