[golfnut]

I am getting ready to renew my Homeowners insurance, I currently pay $745 for $205,000 on the dwelling (Block home with hip roof), $1,000 deductible, $300,000 personal liability, $1,000 deductible on sinkhole coverage, and 2% hurricane deductible. How does this stack up to what you are paying....gn

[red tail]

have you had a wind mitigation inspection yet. big discount if your house qualifies.

[golfnut]

yes premium includes wind mitigation, thanks for the heads up, how does my premium compare to yours....gn

[justanormalgirl]

Originally Posted by red tail

have you had a wind mitigation inspection yet. big discount if your house qualifies.

What exactly is that? Is it something I have to request?

[chuckinca]

250K dwelling

500K Liab

500 (five hundred) Hurricane Deductable

1000 Deductable

Sink Hole coverage included

$578 thru La Plaza Grande AAA Ofc

[golfnut]

Thanks for the reply Chuck, I'll check with AAA tomorrow...

170+ views, Anyone else who can share their rate? ....gn

[chuckinca]

Welcome - let me know by PM if they do you any good.


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[coach]

What is the company that AAA is using? I like your rates.

[chuckinca]

You made me go look for the policy -

190K Dwelling

300K Liab

500 Deductible

ASI

[golfnut]

WOW, 402 views and one person took the time to share their experience, thanks Chuckinca......gn

[chuckinca]

You're Welcome GN

Must be mostly wanabees on TOTV!


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[Bill-n-Brillo]

FWIW - Won't be apples to apples, but here's what I've found nonetheless:

I'm getting quotes as we speak on a resale (built in '07) patio villa that we're in the midst of purchasing. Replacement cost $140k. Living in it 5 months/yr, no renters, no pets.

via Sumter Marion (actually, a part of The Villages Insurance) - underwritten by American Integrity Insurance, including hurricane and sinkhole coverage. Quoted 3 ways:
- 5% ded for hurricane, $2,500 ded for all other perils........$464/yr.
- $2,800 ded for hurricane, $1k ded for all other perils........$493/yr.
- $500 ded for hurricane, $500 ded for all other perils........$572/yr.
All the above include what they call the "Gold Package": water back-up coverage, replacement cost on contents, identity fraud coverage up to $15k, increased coverage for jewelry (up to $5k total and $1k/item), $500 for food spoilage due to power outage from a covered peril, plus some other extras.

via AAA - underwritten by Florida Family Insurance, including hurricane and sinkhole coverage.
- 2% hurricane deductible, $500 ded all other perils.............$670/yr.

I'd like to get a quote for a policy via ASI. But apparently they aren't writing any more new policies at present (at least for the area where this house is - Duval). They limit their exposure by not writing more policies in an area where they've already issued a predefined number of policies. So sorry about our luck at present with them!!

Hope that helps!

Bill

[ljones190]

ASI Assurance Corp

dwelling 174 k
liability 300k
medical 5k
hurricane deductible $500
Sinkhole coverage included
all other deductibles $500.00

Cost $525.00 per year for a CBS home

Hope this helps.

[chuckinca]

Very comparable to what we have with the same company with a bit higher dwelling coverage and stick built instead of CBS.

We have had the policy since 2005.


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[golfnut]

thanks for the responses, i now have more info to move forward with, thanks again....gn