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Talk of The Villages Florida (https://www.talkofthevillages.com/forums/)
-   The Villages, Florida, New Members Forum (https://www.talkofthevillages.com/forums/villages-florida-new-members-forum-115/)
-   -   Home-Owners Insurance (https://www.talkofthevillages.com/forums/villages-florida-new-members-forum-115/home-owners-insurance-336927/)

eeroger 11-25-2022 07:21 AM
Insurance
 
Quote:
Originally Posted by rmd2 (Post 2160252)
Can anyone recommend a reasonable Home-Owners Insurance Company? I was with Tower Hill but now I notice they are requesting this year that we (1) in addition to paying our bill "contribute" money to the company in a separate account (2) give "power of attorney" to some financial issue of the company. I have never heard of either of these with any other companies and I can't imagine granting some company power of attorney over any aspect of my life.
Also try AAA on 441. That is their insurance office. Ask for Sandra Siegal. She is great.

coconutmama 11-25-2022 07:42 AM
Quote:
Originally Posted by mtdjed (Post 2160296)
I just left Progressive thru the Villages Insurance after many years. No claims ever. My 16 YO 2000 Sq Ft home home went from $1700 in 2019, $2400 in 2020, $2700 in 2021, to over $4000 this year. Couldn't even get to talk with a Village Insurance rep unless I agreed to an appointment a week out. Cut the cord and went to Allstate. Couldn't get State Farm to quote (House roof over 15 years old). Kim wanted to cover with prorated coverage based upon roof age. Travelers not accepting new customers, etc. I was told rates higher due to roof replacements paid out and now higher since my roof over 15 years. Already got to pay for other customers roof but now have to pay for theirs and mine. What a deal.

S
We have Progressive thru Villages. Went up $100 this year. Roof 6 years old. We are satisfied so far. Paying about $1,500. No claims to date. Home a little over 2000 sq ft with good size birdcage & pool.

Since roofs last about 12-15 years here, I guess we will find out how unhappy we will be eventually…Have always felt that insurance is a legal, rip off industry. They love to take your $ but not pay out.

bobmarc 11-25-2022 08:38 AM
I have USAA....very happy with them. (so far) About $1500 for a designer.

wheelerk99 11-25-2022 08:42 AM
Recommend Farmer’s Valentino Agency
 
I switched from Tower Hill when another firm bought them out and tried raising my premium by approximately $470 (to cover costs of the merger?). Recommend Farmer’s Valentino Agency at 15268 Fishhawk Boulevard
Lithia FL 33547
United States. 813-280-5900

Kahuna32162 11-25-2022 08:44 AM
Quote:
Originally Posted by mtdjed (Post 2160296)
I just left Progressive thru the Villages Insurance after many years. No claims ever. My 16 YO 2000 Sq Ft home home went from $1700 in 2019, $2400 in 2020, $2700 in 2021, to over $4000 this year. Couldn't even get to talk with a Village Insurance rep unless I agreed to an appointment a week out. Cut the cord and went to Allstate. Couldn't get State Farm to quote (House roof over 15 years old). Kim wanted to cover with prorated coverage based upon roof age. Travelers not accepting new customers, etc. I was told rates higher due to roof replacements paid out and now higher since my roof over 15 years. Already got to pay for other customers roof but now have to pay for theirs and mine. What a deal.

S

We have been with Progressive for almost 7 years, 2600 sf and got a new roof with insurance. Over that time our rates have gone up a total of $112 to approx $1,200 a year. I don't understand all these posts about paying huge premiums. Do the homework and shop the rates.

mazbarth 11-25-2022 08:46 AM
I also had Tower Hill. With no claims, they increased my bill from about $1k to ober $1,600. I dropped them & went to All State, saving a few hundred dollars! And they were pretty much exact same coverage!

Nordhagen 11-25-2022 08:46 AM
Insurance
 
Quote:
Originally Posted by rmd2 (Post 2160252)
Can anyone recommend a reasonable Home-Owners Insurance Company? I was with Tower Hill but now I notice they are requesting this year that we (1) in addition to paying our bill "contribute" money to the company in a separate account (2) give "power of attorney" to some financial issue of the company. I have never heard of either of these with any other companies and I can't imagine granting some company power of attorney over any aspect of my life.
I use Elly with Triton Insurance and she hooked me up with Nationwide and just received my renewal for a 2000 sq ft house. $1017 for the year. Highly recommend her and her company.

Sunflower33 11-25-2022 08:48 AM
All state
 
I left villages progressive for same reason. I went with all state. Her name is Felicia she is on Main Street in wildwood. A delightful young lady took really good care of us. She bundled every thing. Golf carts cars and house. All three were less than my house insurance with tge other company with the same coverage.
Quote:
Originally Posted by rmd2 (Post 2160252)
Can anyone recommend a reasonable Home-Owners Insurance Company? I was with Tower Hill but now I notice they are requesting this year that we (1) in addition to paying our bill "contribute" money to the company in a separate account (2) give "power of attorney" to some financial issue of the company. I have never heard of either of these with any other companies and I can't imagine granting some company power of attorney over any aspect of my life.

toeser 11-25-2022 08:57 AM
Quote:
Originally Posted by Kahuna32162 (Post 2160653)
We have been with Progressive for almost 7 years, 2600 sf and got a new roof with insurance. Over that time our rates have gone up a total of $112 to approx $1,200 a year. I don't understand all these posts about paying huge premiums. Do the homework and shop the rates.
I have owned two homes in Florida totaling 15 years. Your insurance is insanely cheap. I don't know how you fell through the price-increase cracks, but consider yourself extremely lucky. My insurance went up 90% this year with zero claims.

Battlebasset 11-25-2022 10:31 AM
I don't understand why the roof issue in Florida is so hard to address. It's not like liability that could run into the millions. Seems that insurance companies could offer people larger deductibles just for the roof to reduce the insurance cost. It's a more or less fixed cost to replace a roof, and at some point, I'm going to have to replace it anyway. Why not bank the money vs paying it out in insurance premiums for coverage that I might never need to access? Too many people look at their insurance as a maintenance program.

Karmanng 11-25-2022 11:02 AM
Quote:
Originally Posted by rmd2 (Post 2160252)
Can anyone recommend a reasonable Home-Owners Insurance Company? I was with Tower Hill but now I notice they are requesting this year that we (1) in addition to paying our bill "contribute" money to the company in a separate account (2) give "power of attorney" to some financial issue of the company. I have never heard of either of these with any other companies and I can't imagine granting some company power of attorney over any aspect of my life.
send me your email and I can send you a link to who I used.........cg517@hotmail.com

GATORBILL66 11-25-2022 11:03 AM
Quote:
Originally Posted by rmd2 (Post 2160252)
Can anyone recommend a reasonable Home-Owners Insurance Company? I was with Tower Hill but now I notice they are requesting this year that we (1) in addition to paying our bill "contribute" money to the company in a separate account (2) give "power of attorney" to some financial issue of the company. I have never heard of either of these with any other companies and I can't imagine granting some company power of attorney over any aspect of my life.
I use the Allstate thru THE BASCOM AGENY. I have a great deal and little deductible on hurricane insurance in the policy also.

GatorFan 11-25-2022 11:48 AM
Local agency
 
Abshier Insurance Agency, Call and ask for Tammy, 352-245-2423

CoachKandSportsguy 11-25-2022 11:53 AM
Quote:
Originally Posted by Bay Kid (Post 2160421)
Does it help get a better rate if you have a home and a rental?
either you have a personal home or a rental, its not both.

insuring the house between the two, the roof will make no difference, however, the type of rental may make a difference, ie furnished or not furnished, and long term versus short term.

slumlord guy

bassfish 11-25-2022 12:20 PM
Travelers writes a lot of business in this area, not on the coast. Mine costs about a $1000 a year. Get the higher liability limits, $300000 because of all the advertising attorneys we see every night during the news programs. Also a Umbrella limits of $1,000,000 is better still.


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