Talk of The Villages Florida
Page 3 of 5 1 2 3 4 5
Show 40 post(s) from this thread on one page

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/)

mpcolonel 11-25-2022 01:51 PM
Good luck with progressive they just provided me with an $800 increase

retiredguy123 11-25-2022 02:01 PM
Quote:
Originally Posted by villageuser (Post 2160619)
My first thought is that this must be a scam, from someone else, NOT Tower Hill.

Regarding the home insurance situation, I’ve been looking at other insurance for our home and getting ridiculous supposedly competitive quotes of over $10,000. And I am right here, NOT in the coast. I was also told that some insurance companies have already reached their quota for Lake/Sumter counties and they’ll try again in January and see if something has changed. The insurance situation in Florida has truly gone crazy.
Wow. In a way, I hope it goes to $10K, which means that I will be paying nothing.

retiredguy123 11-25-2022 02:06 PM
Has anyone gotten a quote for a fire policy instead of a homeowners policy? A fire policy will cover the house if it burns down but none of the other homeowners risks.

PJackpot 11-26-2022 11:09 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.
Southern Oaks Insurance....Home - Southern Oak Insurance

I saved a ton with them. Went through Nsure.com

justjim 11-26-2022 11:29 AM
Quote:
Originally Posted by retiredguy123 (Post 2160738)
Has anyone gotten a quote for a fire policy instead of a homeowners policy? A fire policy will cover the house if it burns down but none of the other homeowners risks.
Not many houses burn down in TV. I can think of two in my fifteen years. Maybe I missed a few others. However, lots of other claims such as straight winds, tornado and water. I wouldn’t recommend. But to each his own.

charlieo1126@gmail.com 11-26-2022 11:45 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 Agee with you , mine just went up $130 , so I’m at about $1,130.00, someone said $10, 000 , yikes if it ever comes to that in central fl ,the last homeowner leaving Florida should turn out the lights

keepsake 12-21-2022 09:18 PM
Since I have no mortgage I found out I can get the home owners policy without wind coverage. The house will be protected in case or fire, theft, lightning and all liabilities stay the same. Got my $7200 quote down to $1100. Anyone here with no wind coverage experience?

keepsake 12-21-2022 09:18 PM
See last post.

Babubhat 12-22-2022 08:48 AM
Quote:
Originally Posted by keepsake (Post 2168637)
Since I have no mortgage I found out I can get the home owners policy without wind coverage. The house will be protected in case or fire, theft, lightning and all liabilities stay the same. Got my $7200 quote down to $1100. Anyone here with no wind coverage experience?
Wind is the biggest risk in Florida. If a window breaks or roof comes off your house in a storm you will have water damage. At that point you may need to gut the house. Risk reward not worth it.

Frontline and State Farm were reasonable last month

Badger 2006 12-22-2022 02:50 PM
Quote:
Originally Posted by mpcolonel (Post 2160735)
Good luck with progressive they just provided me with an $800 increase
$1200 for me. I am shopping.

Badger 2006 12-22-2022 03:07 PM
Quote:
Originally Posted by bobmarc (Post 2160648)
I have USAA....very happy with them. (so far) About $1500 for a designer.
Heard USAA not writing new homeowners????

Badger 2006 12-22-2022 03:18 PM
Quote:
Originally Posted by wheelerk99 (Post 2160652)
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
I just received a $1200 increase from Progressive. Up to $3200. If I drop non-catastrophic sink hole and change Hurricane from $500 deductible to 2% it drops to $2750. Tower Hill for the adjusted coverage is $2050. These companies are all over the place! Getting more quotes next week. Seems some that raise existing customers, ie:Tower Hill in above post, will come in low to new customers. I guess this is now just like Medicare Supplements, review every year and change if necessary.

retiredguy123 12-22-2022 03:23 PM
Quote:
Originally Posted by Badger 2006 (Post 2168856)
I just received a $1200 increase from Progressive. Up to $3200. If I drop non-catastrophic sink hole and change Hurricane from $500 deductible to 2% it drops to $2750. Tower Hill for the adjusted coverage is $2050. These companies are all over the place! Getting more quotes next week. Seems some that raise existing customers, ie:Tower Hill in above post, will come in low to new customers. I guess this is now just like Medicare Supplements, review every year and change if necessary.
I just renewed my policy with Progressive for $880, which is a 6 percent increase from last year. I have sinkhole coverage, $500 hurricane deductible, and $500K liability coverage on a courtyard villa. Go figure.

Badger 2006 12-22-2022 03:28 PM
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.
Been with Progressive long term also. Got a new roof with insurance in 2020.
2021=$1500 / 2022=$2050 /Renewal in 2023 $3200. Currently shopping. Don’t know what your coverage is but ride the wave. All these companies are all over the place with pricing.

Catalina36 12-23-2022 07:21 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 had a Allstate subsidary. With no claims they hit me with a hugh increase? After spending 3 days of calling home insurance companies for quotes I decided to go with Farmers Homeowners Insurance. Very happy with my choice.


All times are GMT -5. The time now is 07:16 AM.
Page 3 of 5 1 2 3 4 5
Show 40 post(s) from this thread on one page

Powered by vBulletin® Version 3.8.11
Copyright ©2000 - 2025, vBulletin Solutions Inc.
Search Engine Optimisation provided by DragonByte SEO v2.0.32 (Pro) - vBulletin Mods & Addons Copyright © 2025 DragonByte Technologies Ltd.