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If you want to feel a little better, we live in Galveston, TX and pay roughly $6500/year for coverage of roughly $350k. Then add property taxes and we’re pushing $17,000 a year before we walk in the door. The Villages is looking pretty good.
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Usaa
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We did get the new roof in 2021 for just our deductible with a different insurance company. We discovered that even being in the reserves, my husband was able to use USAA. I would recommend anyone with military service including reserves, to check out USAA. |
You’re help paying for other peoples claims. I’ve never had a claim & mine has skyrocketed too. Not trying to be a wise guy but how did you think Ins. Co. stay in business, they raise everybody’s rates. Don’t think about switching, all Ins. Co. rates have gone up!
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Really
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Michael wait until next year it will more than likely double
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Roofs, roofs, roofs.
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10 year old roof. Until the "state" and law enforcement crack down on "free roofs" claims, you and all of us see higher premiums to pay for them. Anything 11 years old is considered a huge liability to insurers. |
Allstate worse offender
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Loyalty increase
Looks like you could be a victim of what I call “loyalty increases”. I was a victim of that with Liberty Mutual a while back - before the “only pay for what you need” promo. Lol - I kept telling them I didn’t need their bells and whistles.
Anyway, you stay with an insurance company, and you have auto renewals, or even if you don’t, you figure inflation or whatever and just renew - and the increases start small and then get larger as the years go by. Finally, you get smacked in the face and when you get quotes from other companies you find you can get the same thing for much less money. But when you get other quotes, make sure you compare carefully here. Deductibles, both roof and sinkhole can be drastically different. Good luck. It’s a big cat and mouse game. I tawt I saw a puddy cat… |
We also have Progressive and have had it many years
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Just asking.....
And why did you get a new roof by only paying the amount of the deductible? Just asking.... p.s. I have been using USAA for over 50 years. I have asked twice for a new roof, turned down both times. |
Agreed, Thank You
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Yep…and in his mind, the “right” to contribute to his campaign fund. hahaha
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If so it may be time to rethink the sink hole insurance. We did and dropped the SH coverage and saved a lot. |
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If Florida keeps getting storms like that, $1 billion from the state isn't going to help much. |
2004 Camilia in BonnyBrook owned by us since it was built ... no insurance claims, no "free roof". Had ASI insurance until 2020 when Progressive Insurance took over.
ASI premiums started at $591 (new house) and increased over the years to $1445 in 2020. Then Progressive took over: 2021 $1814 2022 $2186 2023 $6630 (note that is three times the previous year) I went ballistic of course and checked with the agency to be sure it wasn't some kind of error or scam, only to be "reassured" that the amount was correct. Obviously, I'm going to shop around but my blood pressure is still up, especially after reading posts in this string that show most increases to be no more than 10 or 15 percent. The premium is due March 5th. |
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Higher interest rates help insurance companies. There are companies writing at a fair price but you have to put effort into it. Have multiple homes and no issues. Did not take more than an hour of time.
Work the phone, villages insurance and websites |
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Add'l Info.
Thanks for all your replies.
Definitely looking for other coverage quotes. Thanks again. |
Frontline, heritage and State Farm offered fair rates two months ago to me
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please define "Ad Hominem", for those of us that are more educatedly challenged ! 😊😂🤣
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Tower Hill
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Thanks! |
People saying they have had no claims? That does not matter. You are paying for all the other claims that insurance company has absorbed. After Ian this is to be expected in Florida. Imagine the rates those on the gulf and Atlantic will pay.
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[QUOTE=Lynnesail;2176281]But why did the insurance companies approve these claim’s and then penalize US?[/QUOTE
The insurance companies don’t want to pay fraudulent roof claims. However it costs them more in legal fees to fight, than it does to replace the roof. The attorneys know this and leverage that knowledge to get their fees and the homeowner a new roof. In time, the new law DeSantis signed should help, but it doesn’t change overnight. Rate increases we are now seeing were approved by the state LONG before this new law was passed and has nothing to do with the new law, nor does it give insurance companies the ability to screw with customers. A little common sense knowledge about capital markets would answer many of these complaints. I don’t like rate increases either. My Progressive policy is slated to increase from $1900 to $2900 in March….but if we were closer to the coast it would be many multiples of that, if we could get it at all. |
They know TV residents have deep pockets. Would like to see a comparison to a area with a lower median income.
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Give Emery Abshier Allstate Agency a call. Very friendly, hometown agency that works hard for their clients. Tammy is an awesome agent and will take good care of you. 352-245-2423. No obligation but I guarantee you that you will be very pleased with the service you receive.
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Homeowners Insurance
Yes Minnesota too. My Minnesota home went from around $1600 to 2400 ..no changes but when I called they told me it was do to inflation and the costs to rebuilt for lumber, etc.
this last QUOTE=DALEPQ;2175733]Have just received the renewal notice for Home Owners Ins. from Progressive. Have had them since 2020. Never had one claim at all. 2020 Premium- $693.; 2021-$755.; 2022- $916.; 2023 Renewal Quote $1,883. WOW!! 105% Increase, for NO changes in coverage, and NO claims. Yes, TOTAL SHOCKER!! No doubt hurricanes have affected this! Is this what has been happening to Home Owners Ins. in T.V. and or all FL?? What have others experienced for rate changes?? Thanks for your replies.[/QUOTE] |
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