[chicy724]

Hello there,
We are buying our first home in Mary Esther, FL, just outside of Ft. Walton Beach lines.

We've got a few insurance quotes and one is $1032.00 for Frontline, underwritten by Fidelity Fire & Casualty. 150k dwelling, $15k other structures, $75k personal prop., $30k loss of use, $300k personal liability.

Another that actually turns out to be the same company, but through a diff. agency for $1163 which includes a 4% inflation guard (what is that?! no others list this..) and $5k in water backup ins. incase we clog a toilet so bad it overflows and ruins out floors.. lol

The other is from Universal Property Ins. for close to $1400 with lesser coverage. $120k dwelling, $12k other structures, $60k personal prop., $24k loss of use and $300k personal liability.

There's an insurance agency that works next door so I stopped into see her on lunch and she's the one who gave me the Universal quote. At that point I didn't know what I was looking for, and this is apparently what she suggests.

When we get the appraisal back we will adjust accordingly if necessary.

My question is, is Frontline Homeowners Ins. a good company? I saw a rip-off report on them when I typed in Frontline Insurance in google.
I also saw a rip-off report for Universal, but I think it may have just been because of the underwriter.

The agent next door showed me some "Financial Stability" info from Demotech.com that showed Universal has higher assets/stability but I am not sure what that really means? I am sure both have stability or they would have crumbled during this recession!

I am brand new to all of this so I haven't a clue! It'd be nice to save a few hundred dollars if we can of course.. but I don't want to be stuck between a rock and a hard place if we have to make a claim. Especially in hurricane country.....

[Mathguy]

Originally Posted by chicy724

Hello there,
We are buying our first home in Mary Esther, FL, just outside of Ft. Walton Beach lines.

We've got a few insurance quotes and one is $1032.00 for Frontline, underwritten by Fidelity Fire & Casualty. 150k dwelling, $15k other structures, $75k personal prop., $30k loss of use, $300k personal liability.

Another that actually turns out to be the same company, but through a diff. agency for $1163 which includes a 4% inflation guard (what is that?! no others list this..) and $5k in water backup ins. incase we clog a toilet so bad it overflows and ruins out floors.. lol

The other is from Universal Property Ins. for close to $1400 with lesser coverage. $120k dwelling, $12k other structures, $60k personal prop., $24k loss of use and $300k personal liability.

There's an insurance agency that works next door so I stopped into see her on lunch and she's the one who gave me the Universal quote. At that point I didn't know what I was looking for, and this is apparently what she suggests.

When we get the appraisal back we will adjust accordingly if necessary.

My question is, is Frontline Homeowners Ins. a good company? I saw a rip-off report on them when I typed in Frontline Insurance in google.
I also saw a rip-off report for Universal, but I think it may have just been because of the underwriter.

The agent next door showed me some "Financial Stability" info from Demotech.com that showed Universal has higher assets/stability but I am not sure what that really means? I am sure both have stability or they would have crumbled during this recession!

I am brand new to all of this so I haven't a clue! It'd be nice to save a few hundred dollars if we can of course.. but I don't want to be stuck between a rock and a hard place if we have to make a claim. Especially in hurricane country.....

Commnets.
1) Most insurance agents cannot recommend companies that don't have an AM Best rating of A- or better. Find the AM Best rating and pick a company that is A- or better rated. (Should be on their website)

2) Back-up insurance I believe can also cover things like heavy rain that fills the sewers so much that it pushes water back up into your house. Nasty clean-up there.

3) IF you don't know what a charge is (inflation guard) then ask the agent to explain, that's part of thier job.

4) I don't know what "rip off" reports are. If you want to link to one that would be good. The State DOI should carry information on complaints against insurers.

5) Ask your neighbors who they use, if they've had claims how easy it was to deal with them etc.

[chicy724]

Rip-off Report: Frontline Insurance - First Protective Insurance - Fidelity Fire And Casuality Insurance Baid Faith Insurer,Lies Lies,Refuses to pay claim,Cheats customers, Slow pay or no pay Lake Mary Florida
Thank you

[blueridgerider]

Try SecurityFirstFlorida.com, check out their website and their reinsurance (amount of insurance the insurance companies have) and call their consumer services # to get a rate. Depending on the area they have pretty decent rates. I already switched mine.

[beachmouse]

One thing to make sure of is that you're getting coverage that specifies damage will be repaired/rebuilt to the latest version of hurricane code. It can make a significant difference.

[Mathguy]

Originally Posted by chicy724

Rip-off Report: Frontline Insurance - First Protective Insurance - Fidelity Fire And Casuality Insurance Baid Faith Insurer,Lies Lies,Refuses to pay claim,Cheats customers, Slow pay or no pay Lake Mary Florida
Thank you

I wouldn't put too much faith in a site like that. Basically, some guy ranting about a company and not even putting forth the facts of his case. I'd stick to the dept. of insurance website. Some people are just dumb and irrational and that link showed the guy to likely be both.