Homeowners Insurance

photonbug

Hello eveyone.  I am new to this board.  DH and I are looking at houses and had a question about Homeowners Insurance.  Most major companies are not writing new policies in Florida.  I know of Citizes and how they have had a bad rep when it comes to claims.  Can any of you recommend another insurance company that will write new policies? 

TIA!

HappyMrsK

We had the same issue last summer when we bought our home. We are insured with Avatar. Here's a link:

http://www.avatarins.com/

 HTH, GL

photonbug

Yeah I tried them.  They don't write new policies in my area.  Thanks a

photonbug

Yeah I tried them.  They don't write new policies in my area.  Thanks anyway

cocojack10

::stalking this thread::

We have State Farm, and they are cancelling us this summer... no longer insuring in FL.  Need to find new ins company, but rather not have Citizens.

behapy2day

We bought in December of 09 and got our policy with Universal. I believe they are the only ones writing in the state other than Citizens.

HappyMrsK

That really stinks!

I don't know if this will help or not, but we actually contacted this insurance company and they got us insurance (We have Avatar). The company is located in the Tampa Bay area but they were able to get us insured for our home in Wellington. My SIL who lives in the Tampa Bay area uses them for her home owners insurance and recommeneded them to us.

Commonwealth Insurance Of Seminole Inc

9170 Oakhurst Road, Seminole, FL 33776-2112

(727) 596-1037?

I will never understand how insurance is required if you have a mortgage, but insurance comapanies can flat out deny you coverage based on your location.

ShayMK

I don't know if you have checked out this site, but it has the contact information of all the home owner insurances for the state of Florida (this is a government site):

http://www.shopandcomparerates.com/HOCompareSelect.htm

It tells you all the rates. I would call the companies up and see if they're writing for your area.

Do you have windstorm mitigation? If so, let them know. It's cuts your premium in half in most cases. 

 

ShayMK

From that site, I pulled up the rates for Dade county. This is not to say that they are all writing at this moment. Some have time frames (certain months out of the year) where they do not write polices. It's usually around hurricane season.

1	Frontline Homeowners/First Protective Insurance Company	$2,736	$1,525
2	First Floridian Auto and Home Insurance Company	$2,917	$1,398
3	Tower Hill Preferred Insurance Company	$3,101	$1,814
4	Florida Peninsula Insurance Company	$3,150	$1,186
5	American Traditions Insurance Company	$3,244	$1,661
6	Southern Fidelity Insurance Company	$3,405	$2,330
7	Tower Hill Prime Insurance Company	$3,538	$1,746
8	Fidelity National Property & Casualty Insurance Company	$3,754	$2,266
9	Homewise Preferred Insurance Company	$3,763	$1,921
10	Liberty Mutual Fire Insurance Company	$3,930	$1,629
11	Sunshine State Insurance Company	$3,932	$1,309
12	Universal Insurance Company of North America	$3,946	$2,262
13	Florida Farm Bureau Casualty Insurance Company	$4,038	$952
14	Security First Insurance Company	$4,052	$2,334
15	Tower Hill Select Insurance Company	$4,219	$2,052
16	Avatar Insurance	$4,270	$1,717
17	Citizens Property Insurance Corporation	$4,329	$2,799
18	Federated National Insurance Company	$4,415	$2,366
19	Southern Oak Insurance Company	$4,748	$2,642
20	First Community Insurance Company	$4,802	$1,592
21	Royal Palm Insurance Company	$5,277	$2,762
22	Auto Club Insurance Company of Florida	$5,401	$2,035
23	Olympus Insurance Company	$5,458	$2,638
24	American Integrity Insurance Company of Florida	$5,570	$2,414
25	Castle Key (formerly Allstate Floridian) Indemnity Insurance Company	$5,696	$1,381
26	St. Johns Insurance Company, Inc.	$5,778	$3,034
27	Universal Property & Casualty Insurance Company	$6,138	$2,072
28	ASI Preferred Insurance Company	$6,565	$3,401
29	United Property & Casualty Insurance Company, Inc.	$6,866	$2,637
30	State Farm Florida Insurance Company	$8,082	$2,252

photonbug

I used this site already, the majority do not insure new policies anymore.  It is very frustrating

photonbug

I'll have to check out the other ones you guys mentioned. 

Thanks everyone!!

ibot4291

http://www.hcpci.com/our_products.html

chachita07

We have citizens through Statefarm and they have been great. We had a claim about a year ago and they did not give us any problems, everything went very smoothly.

HTH and GL

photonbug

Oh cool!  I have heard bad thing but then again most of that was from the year we had back to back hurricanes so maybe they have gotten better. 

Anyone else have experience putting a claim through with them?

fizzybauberswed

We have Homewise.  I'm not sure if they are writing new policies but it's worth a try.

MrsJOSEnADRI

We have Citizens.  We haven't had to file a claim yet.  Unfortunately, it was the only company that would insure us b/c of location and the age of the home.