Homeowners insurance rates in line?? (Longwood: rental, how much, homes)

[robert999]

I'm looking to see if I can save a few bucks. Currently paying $1789./yr for 1986 Cement Block built owner occupied home with 1 claim in last 3 years. Home is in Orange County (Dr Phillips). Excellent condition.
Here is my current cost breakdown. ( It has replacement cost).

Limit of liab/ premiums

Dwelling $201.5K /$1550
other structures 20.K /33
pers. property 100. K /included
Loss of use 20.K /inc.
Per Liability $300.K /18
Med payts 1.K /inc.
optional:fungus/rot.bact. $25/50K /60

total of everything: $1789.00

Deductible is $ 500.
Hurricane $ 4030.

Any thing better out there theese days??

[beckycat]

Try Olympus homeowner's insurance on a block home in Longwood. I have $175K, 300/100K coverage for about $450 a year.

[cmj_fla]

I highly recommend Homewise Insurance company. The best rates for homes between 10 and 30 years old. If you have a 4-sided Hip Roof then I would recommend Sunshine State Insurance Company.
Sunshine State: Sunshine State Insurance Company
Homewise: HomeWise Insurance Group

Both A rated companies

[AONE]

If you have a newer home and are military or child of military I would say look at USAA... they are quite low but they don't write if the home was built before 2005 or so.
Nationwide is a bit high mine is 1450 for 385k replacement cost, and something like135k contents. Sounds like Olympus is very low.

[beckycat]

Originally Posted by AONE

If you have a newer home and are military or child of military I would say look at USAA... they are quite low but they don't write if the home was built before 2005 or so.
Nationwide is a bit high mine is 1450 for 385k replacement cost, and something like135k contents. Sounds like Olympus is very low.

Yeah, I just found this company. Before I was paying like $850 for less coverage. I decided to shop around and found them to be the lowest. I did the same with my car insurance. I had MetLife at $3500/yr with a teen driver, just liability. Now, I have Allstate for $1900/yr with a teen.

[itsajourney]

I think there are insurance calculators on the internet that you can input all of the info and get back rate quotes.....Unfortunately, simply having a claim is going to affect your rate and depending on for what and how much--it can affect it drastically. State Farm is not even going to write homeowners policies in Florida anymore and I believe that within the next 2 years they will be dropping everyone they currenetly cover in the state.

[pianogal]

Last year I had ASI. When renewal time came around they sent a bill for $1388. A 200+ increase from last year - I have never had a claim with them.

I have a 3200 square foot 2 story with pool (no screen) built in 2004. I found a policy through a local All State rep with Security First for $680 - same coverage. It was a no brainer.

[Insurance Guru2]

Call this agency in Longwood they have found me very good rate for my home insurance: 407-682-2261, they have insured my home and my rental properties all for around $1000. they open at 9:00 am and I they close at 5:00 pm, also if you have had your roof replaced since 2003, you have receive discounts that could save you up to $200-$500.

[melannewis]

Insurance Guru hits it on the head. If the roof has been replaced within the last 8 years you should get a mitigation form done (if you don't already have one) as this can usually save anywhere from $200 up to $1,000 annually. Depending on the type of claim you have had you may be stuck for awhile. Olympus may take you though.
Moderator cut: Solicitation Not Allowed

[annerk]

I think the biggest problem is that you had a claim. That right there puts you at a higher risk.