[mpcolonel]

Good luck with progressive they just provided me with an $800 increase

[retiredguy123]

Originally Posted by villageuser

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]

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]

Originally Posted by rmd2

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]

Originally Posted by retiredguy123

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]

Originally Posted by Kahuna32162

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]

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]

See last post.

[Babubhat]

Originally Posted by keepsake

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]

Originally Posted by mpcolonel

Good luck with progressive they just provided me with an $800 increase

$1200 for me. I am shopping.

[Badger 2006]

Originally Posted by bobmarc

I have USAA....very happy with them. (so far) About $1500 for a designer.

Heard USAA not writing new homeowners????

[Badger 2006]

Originally Posted by wheelerk99

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]

Originally Posted by Badger 2006

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]

Originally Posted by Kahuna32162

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]

Originally Posted by rmd2

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.