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Homeowners Insurance in Florida? #4562081
11/02/17 12:28 PM
11/02/17 12:28 PM
Joined: May 2010
Posts: 1,180
Ocala, Florida
racin4ds Offline OP
racin4ds  Offline OP
Joined: May 2010
Posts: 1,180
Ocala, Florida
Hi guys, don't usually post much other than oil related things here but I figured you folks are a knowledgeable group so here goes!

My wife and I just bought a home in Ocala and are moving there the end of this month from WV. I'm finding it difficult to get cheap homeowners insurance! We're not in a flood plain, on high ground and plenty far inland. Any of you sunshine state residents have any suggestions for me??


Just say NO to thin oils and M1!
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Re: Homeowners Insurance in Florida? [Re: racin4ds] #4562086
11/02/17 12:33 PM
11/02/17 12:33 PM
Joined: Oct 2009
Posts: 202
New York
georgemiller Offline
georgemiller  Offline
Joined: Oct 2009
Posts: 202
New York
What are the rates you are being quoted?

Re: Homeowners Insurance in Florida? [Re: racin4ds] #4562091
11/02/17 12:37 PM
11/02/17 12:37 PM
Joined: Aug 2009
Posts: 3,300
Ohio
Tdbo Offline
Tdbo  Offline
Joined: Aug 2009
Posts: 3,300
Ohio
Good luck finding cheap homeowners insurance in Florida after recent events.
Some companies may pull out after paying off those affected.


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Re: Homeowners Insurance in Florida? [Re: racin4ds] #4562114
11/02/17 01:00 PM
11/02/17 01:00 PM
Joined: Nov 2016
Posts: 1,283
WI
HoosierJeeper Offline
HoosierJeeper  Offline
Joined: Nov 2016
Posts: 1,283
WI
I lived in Florida from 99-2011, Tampa to be exact. Homeowner's insurance was always outrageous and hard to get. Never had a claim, but had to shop often from getting cancelled from the storms. Might be easier to visit a local insurance agent that's in the know and can help you get insurance, they have some tricks.


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Re: Homeowners Insurance in Florida? [Re: racin4ds] #4562223
11/02/17 03:24 PM
11/02/17 03:24 PM
Joined: Jul 2013
Posts: 2,332
Outer Banks, NC
NormanBuntz Offline
NormanBuntz  Offline
Joined: Jul 2013
Posts: 2,332
Outer Banks, NC
There are few large insurance companies that write HO policies in FL. I've had a home also in central FL for 6 years. American Integrity Insurance still writes new policies AFAIK, as do some other small companies. You'll do better using an independent broker. Forget companies like USAA and other big boys who won't touch FL with a 10 foot pole.


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Re: Homeowners Insurance in Florida? [Re: racin4ds] #4562276
11/02/17 04:16 PM
11/02/17 04:16 PM
Joined: Mar 2004
Posts: 21,346
Upstate NY
Donald Offline
Donald  Offline
Joined: Mar 2004
Posts: 21,346
Upstate NY
Many companies have written off FL as a state. There are 49 other states to sell insurance in. They do not need all 50.

How many years do they need to see a super lot of claims from FL to become wise.


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Re: Homeowners Insurance in Florida? [Re: racin4ds] #4562289
11/02/17 04:40 PM
11/02/17 04:40 PM
Joined: Jan 2009
Posts: 14,046
Illinois
tig1 Offline
tig1  Offline
Joined: Jan 2009
Posts: 14,046
Illinois
Even though you are in Ocala you're not but about 50 miles from the Gulf. My son lives in Gainesville, just up the road about 30 miles and he lost power for 3 days from the storm in August.


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Re: Homeowners Insurance in Florida? [Re: racin4ds] #4562697
11/03/17 04:39 AM
11/03/17 04:39 AM
Joined: Dec 2003
Posts: 915
Monroe,CT
Bambam Offline
Bambam  Offline
Joined: Dec 2003
Posts: 915
Monroe,CT
We have a place on the east coast, condo, try Citizens insurance, they got us good coverage relatively cheap..


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Re: Homeowners Insurance in Florida? [Re: racin4ds] #4562819
11/03/17 08:08 AM
11/03/17 08:08 AM
Joined: May 2010
Posts: 1,180
Ocala, Florida
racin4ds Offline OP
racin4ds  Offline OP
Joined: May 2010
Posts: 1,180
Ocala, Florida
Thanks all. Actually American Integrity has quoted the best so far... I guess its just "sticker shock" coming from $650 a year here in WV to $1500-$2200 a year there! It appears Allstate and State Farm still write policies there, I'm just waiting on quotes back from them.

I guess you gotta pay a little more to have sunshine and warm weather!


Just say NO to thin oils and M1!
05 F350 Powerstroke
05 Hyundai Tucson
08 Legacy GT
Re: Homeowners Insurance in Florida? [Re: racin4ds] #4562824
11/03/17 08:17 AM
11/03/17 08:17 AM
Joined: Sep 2004
Posts: 22,119
Orlando, FL
Mr Nice Offline
Mr Nice  Offline
Joined: Sep 2004
Posts: 22,119
Orlando, FL
If insurance companies completely stopped writing homeowners policies in Florida....

The state of Florida would pull their license to sell car insurance in Florida and that's a big no no for All State, State Farm, etc...


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