[sunrico90]

This web-site provides excellent info on low cost home owner insurance. Just visit the sites and contact the company and see who can provide the best quote.

[DanBev]

Originally Posted by sunrico90

The average rates listed on this page are for the following structure:

A 5-year old, Florida concrete block home, with a current replacement value of $150,000, a $500 non-hurricane
deductible, a 2% hurricane deductible, no claims, and no wind mitigation discounts.

NOTE: THIS IS BEING PROVIDED FOR COMPARISON PURPOSES ONLY TO DEMONSTRATE THE IMPORTANCE OF SHOPPING FOR INSURANCE QUOTES. Insurance companies listed below may not be writing new business in all counties. Citizens Property Insurance Corporation is writing in all counties.
Your county has many companies with better rates than other counties.

Suwannee County
# Company Name Rate
1 Southern Fidelity Insurance Company $623
2 Florida Farm Bureau Casualty Insurance Company $797
3 Allstate Floridian Insurance Company $836
4 American Traditions Insurance Company $851
5 First Floridian Auto and Home Insurance Company $873
6 Security First Insurance Company $880
7 Royal Palm Insurance Company $885
8 Tower Hill Prime Insurance Company $885
9 Tower Hill Select Insurance Company $920
10 ASI Assurance Corp. $967
11 American Strategic Insurance Corp. $967
12 Liberty Mutual Fire Insurance Company $990
13 Tower Hill Preferred Insurance Company $1,015
14 Homewise Preferred Insurance Company $1,041
15 Universal Insurance Company of North America $1,085
16 St. Johns Insurance Company, Inc. $1,086
17 Universal Property & Casualty Insurance Company $1,134
18 United Property & Casualty Insurance Company, Inc. $1,329
19 Citizens Property Insurance Corporation $1,469
20 State Farm Florida Insurance Company $1,511
21 Southern Oak Insurance Company $1,842Suwannee County
# Company Name Rate
1 Southern Fidelity Insurance Company $623
2 Florida Farm Bureau Casualty Insurance Company $797
3 Allstate Floridian Insurance Company $836
4 American Traditions Insurance Company $851
5 First Floridian Auto and Home Insurance Company $873
6 Security First Insurance Company $880
7 Royal Palm Insurance Company $885
8 Tower Hill Prime Insurance Company $885
9 Tower Hill Select Insurance Company $920
10 ASI Assurance Corp. $967
11 American Strategic Insurance Corp. $967
12 Liberty Mutual Fire Insurance Company $990
13 Tower Hill Preferred Insurance Company $1,015
14 Homewise Preferred Insurance Company $1,041
15 Universal Insurance Company of North America $1,085
16 St. Johns Insurance Company, Inc. $1,086
17 Universal Property & Casualty Insurance Company $1,134
18 United Property & Casualty Insurance Company, Inc. $1,329
19 Citizens Property Insurance Corporation $1,469
20 State Farm Florida Insurance Company $1,511
21 Southern Oak Insurance Company $1,842

I live in Suwannee county,only ins available,Citizen.What good is list if unavailable,my risk on 1-10 maybe 2.Have generator for power outage,had to run it for 4 hours yesterday after a brief shower.I worked hurricane's and ice storm's in Ct,'55,'56 and others

[sunrico90]

Originally Posted by DanBev

I live in Suwannee county,only ins available,Citizen.What good is list if unavailable,my risk on 1-10 maybe 2.Have generator for power outage,had to run it for 4 hours yesterday after a brief shower.I worked hurricane's and ice storm's in Ct,'55,'56 and others

Call the following and see if they can help:

Suwannee County Farm Bureau

Live Oak Office (386) 362-1274
407 Dowling Ave Se, Live Oak, FL 32064 View Map
John P Wiggins, Agency Manager
Burney A Ratliff II
Kevin B Greene
Wanda J O'Neal


Branford Office (386) 935-1274
PO Box 490, Branford, FL 32008
Johnny L Bass, LUTCF

[sunrico90]

Check the site for Dollar savings $150,000 Masonry rate*

http://www.floir.com/PresumedFactor/...tyAverages.pdf

[cmj_fla]

This list has so many things wrong with it. My company is not even listed as well as a few of the companies we write for. Also, as other posters have mentioned, many of these companies are not even writing in Florida or are very, very limited. Southern Fidelity is on the top of many counties list, however, their underwriting process is very strict - don't even ask for a quote if your house is more than 10 years old. Also, the prices they list do not take into account the credit or "tier" score that most companies use that ups your premium based on payment histories (by hundreds sometimes). This site may be very useful for some, however, it should just supplement the research process and not eliminate it.

[sunrico90]

Originally Posted by cmj_fla

This list has so many things wrong with it. My company is not even listed as well as a few of the companies we write for. Also, as other posters have mentioned, many of these companies are not even writing in Florida or are very, very limited. Southern Fidelity is on the top of many counties list, however, their underwriting process is very strict - don't even ask for a quote if your house is more than 10 years old. Also, the prices they list do not take into account the credit or "tier" score that most companies use that ups your premium based on payment histories (by hundreds sometimes). This site may be very useful for some, however, it should just supplement the research process and not eliminate it.

Excellent suggestion and post....

[riveree]

Originally Posted by cmj_fla

This list has so many things wrong with it. My company is not even listed as well as a few of the companies we write for. Also, as other posters have mentioned, many of these companies are not even writing in Florida or are very, very limited. Southern Fidelity is on the top of many counties list, however, their underwriting process is very strict - don't even ask for a quote if your house is more than 10 years old. Also, the prices they list do not take into account the credit or "tier" score that most companies use that ups your premium based on payment histories (by hundreds sometimes). This site may be very useful for some, however, it should just supplement the research process and not eliminate it.

I agree, I found the example posted fairly useless for my own home or many others in my area.

My insurer was listed, but the rate was way off...I see no correlation in the rates to reality from where I stand.

A simple current listing of insurers who are currently writing in Florida would have been more helpful.