Florida has one of the highest number of accidents of any state.That along with storm damage to cars is the reason for the high insurance rates.

My Progressive home insurance doubled 2 years ago even after putting on a new roof, but for some reason this year went down $600, exact same coverage. Try Southern Auto Owners for your car. Mine and several friends premium only went up $100 for the year, same coverage.

I went thru the villages a year ago and they beat usaa, aaa, Hartford and somebody else I was looking at. So I just got done calling a few of these companies back for a new quote and usaa was over $1200 more just for auto, and the others were $200-$600 more. For 2 newer cars, I pay $2300 a year.
House went up <$200, golf cart and umbrella stayed the same.
If a car insurer wants you to put in a device in your car using the OBD plug, that’s the better option than the phone software. I have used both in the past but haven’t used anything for the past couple years. The software on your phone is the worst for numerous reasons and if you want to know, send me a PM and I’ll tell you the issues.

Being a snowbird vs driving in Villages, TV is an accident waiting to happen & we are all old.

I use traveller's for my truck. I paid like 1250 in NC and a bit over 1500 here.

If I'd rolled the dice and self-insured from the git-go...I'd be way ahead of the game

but, like most of us... I bet on having a loss and the insurance companies I've used throughout my life bet I wouldn't

so far, they're way ahead and I'm running out of runway... so, it's looking like the dice came up better for them

A good video on Florida’s HO insurance issues
 

Worth watching this YouTube video. He is right on point.

https://youtu.be/F9gwAMSVuRw?si=W-B2C3dSE4TrYx9j

When I moved to Sumter Co, 10 yrs ago, I bought a house I could afford, comfortably. Since then, my taxes have gone up 25% my home owners have gone from $800.00 a year to 2300, my car insurance is horrifying, and now I have a letter saying they want $355.00 a year for some fire rescue thing.... to be voted on soon. I am no longer here comfortably......

It was less money for us to split our home and auto to two different companies rather than bundle. Don’t rule that option out. A broker can help to figure that out rather than going to the insurance company directly. The Villages Insurance is an example of a broker, but there are many options. Also no one has 840 credit, especially if you don’t have/manage significant debt, so you may also want to get your credit score from two of the three credit agencies to see exactly what score the insurance companies are seeing.

Good point about the option of not bundling. The goal is to get the lowest premiums that coorelate with your risk tolerance level and this can be obtained by utilizing several insurance companies. Also, The Motley Fool states, "1.31% of Americans with a FICO® Score have a perfect 850 credit score -- based on the number of adults eligible for a FICO® Score, there could be about 3.04 million with perfect credit."

Huh?
You absolutely can have an 840 credit score. OP never mentioned managing debt nor should they have to. That is an exceptional score. If they’re maintaining that than obviously credit agencies are honoring the activity needed to do so

We are supporters of DeSantis, but just wrote him an email showing our displeasure with the state of the insurance costs in Florida - highest in the nation and no sign of alleviating. SOMETHING must be done to address this issue.

?????? No one has 840???? Well we do, on each agency. Zero debt, but we charge a lot on our 3 credit cards and pay off totally each month. No idea how you can make a blanket statement as this....

You have to shop insurance every two years in Florida. I have been here since 1997 and that has held true for all those years

Outrageous hike. Try AARP/Hartford.