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Soon to be there, insurance questions

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Old 10-07-2015, 07:17 PM
Pmount Pmount is offline
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Default Soon to be there, insurance questions
Finally we will arrive Monday the 12 to search for new permanent home. Could you members please offer guidance on where to purchase home owner insurance. Are there big differences in rates and if so, why. Thanks in advance for your suggestions. Hope to meet many of you soon.

Phil
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Old 10-07-2015, 07:32 PM
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Allstate does not sell homeowners insurance here. The Villages Insurance company sells insurance that is reasonably priced. Do you plan to get sinkhole insurance as well on your homeowners policy?
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Old 10-07-2015, 07:51 PM
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Allstate does not sell homeowners insurance here. The Villages Insurance company sells insurance that is reasonably priced. Do you plan to get sinkhole insurance as well on your homeowners policy?
Actually Allstate sells homeowner's insurance for several Florida companies, just not Allstate insurance. For example they sell Security First Insurance.
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Old 10-07-2015, 07:54 PM
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Actually Allstate sells homeowner's insurance for several Florida companies, just not Allstate insurance. For example they sell Security First Insurance.

Thanks for that correction. I was referring to Allstate specifically.
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Old 10-07-2015, 08:03 PM
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My HO insurance is less than half of the quote provided by the Villages Insurance. My hurricane deductible is higher, but I will take that chance with our location and solidly built home. Check out Brown & Brown for a quote.
Brown & Brown of Florida, Inc.
1300 Citizens Blvd, Suite 100
Leesburg, FL 34748
Phone 352-787-2431 x216 or toll free 1-800-293-2431 x216
Direct Line 352-431-3007
Fax 352-787-9922
Maria.Parker@bbleesburg.com
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Old 10-07-2015, 09:06 PM
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Switched from The Villages Insurance company to AAA of Florida which offered discount package for house/cars/golf cart. Same coverage/protection but much cheaper!
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Old 10-07-2015, 09:08 PM
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I just went with the Villages Insurance. Easy to work with and a reasonable price.

Closing on Friday!
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Old 10-08-2015, 12:09 PM
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We also went to The Villages Insurance for our home owners, flood, and golf cart insurance. They were able to get us coverage for very reasonable rates and are convenient. We may have done better had we shopped around, but with all we had on our plate with retiring, purchasing a new home, and relocating all at once didn't want to fool with it.
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Old 10-08-2015, 12:44 PM
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Villages Insurance for car and home. Very competitive rates.

For car insurance, they send for a quote to several companies and always give you the lowest price available.

I deal with Carri Wildman in Brownwood, 352.753.2280. Very knowledgeable and pleasant to deal with.

You must compare policies, as cheaper may not be the cheapest, if something bad happens.
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Old 10-08-2015, 12:52 PM
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Quote:
Originally Posted by 2BNTV View Post
Villages Insurance for car and home. Very competitive rates.

For car insurance, they send for a quote to several companies and always give you the lowest price available.

I deal with Carri Wildman in Brownwood, 352.753.2280. Very knowledgeable and pleasant to deal with.

You must compare policies, as cheaper may not be the cheapest, if something bad happens.
Also be sure to compare apples with apples. Make sure the policies you are comparing are the exact same thing.
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Old 10-08-2015, 12:57 PM
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Also be sure to compare apples with apples. Make sure the policies you are comparing are the exact same thing.
Exactly!!!
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Old 10-08-2015, 01:06 PM
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Exactly!!!
When I moved here from Ohio for the first three years I worked at Allstate doing insurance quotes. Compare apples to apples was a quote from my old boss.
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Old 10-08-2015, 03:18 PM
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Also there are two types of sinkhole insurance, one is next to worthless (costs less)
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Old 10-08-2015, 03:35 PM
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I just got a quote on sinkhole coverage. It would cost $188/per year but only pays out 10% of the value of the house. House valued at $270,000 would only be covered up to $27,000. :-(
I'm thinking it's not worth it.
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Old 10-08-2015, 03:38 PM
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Quote:
Originally Posted by CindyLouWI View Post
I just got a quote on sinkhole coverage. It would cost $188/per year but only pays out 10% of the value of the house. House valued at $270,000 would only be covered up to $27,000. :-(
I'm thinking it's not worth it.
Are you sure that's not a 10% deductible?
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