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Old 12-15-2009, 11:40 AM
 
69 posts, read 210,401 times
Reputation: 52

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I'm looking for a canal-front home in Pasco county and will need to shop for home owners insurance.

Any recommendations? Good/bad experiences?

TIA.

Tipsy
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Old 12-15-2009, 02:47 PM
 
462 posts, read 365,868 times
Reputation: 637
Here are some links & points to consider
1)Citizens likely will be the main choice, if they are not the only
2)Federal Flood insurance in addition to Wind peril policy (hurricane)
3)The options are slim, the price is out of control
4)Check out wind mitigation of the house, a inspection could lower your rates.
5)Also read up and know the threat from sink holes which is greater inland then closest to the coast however fully investigate sinkholes

Compare Homeowner's Insurance Rates (http://www.shopandcomparerates.com/HOCompareSelect.htm - broken link)
FCAN Insurance Page
https://www.citizensfla.com/
Floodsmart.gov: Your premier resource for flood insurance information
https://www.citizensfla.com/agent/tr...o/WBDR_Map.pdf
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Old 12-15-2009, 03:01 PM
 
69 posts, read 210,401 times
Reputation: 52
Quote:
Originally Posted by mph101 View Post
Here are some links & points to consider
1)Citizens likely will be the main choice, if they are not the only
2)Federal Flood insurance in addition to Wind peril policy (hurricane)
3)The options are slim, the price is out of control
4)Check out wind mitigation of the house, a inspection could lower your rates.
5)Also read up and know the threat from sink holes which is greater inland then closest to the coast however fully investigate sinkholes

Compare Homeowner's Insurance Rates (http://www.shopandcomparerates.com/HOCompareSelect.htm - broken link)
FCAN Insurance Page
https://www.citizensfla.com/
Floodsmart.gov: Your premier resource for flood insurance information
https://www.citizensfla.com/agent/tr...o/WBDR_Map.pdf
Thanks for tips the links!

I'm being told Citizens is the only game in town. I'm not too familiar with the sinkhole issue but the quote more than doubled with sinkhole coverage!

Tipsy
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Old 12-15-2009, 03:39 PM
 
Location: Tampa, FL
162 posts, read 582,704 times
Reputation: 95
I personally would not be without sinkhole coverage and if you have a mortgage it may be required so check with your bank.

You can go to Swiftmud's website, plug in the address and find out about sinkhole activity in the area. That is no guarantee either way. Sinkhole coverage does double the price of insurance. Currently you get catastrophic sinkhole collapse coverage by law, I believe.

You will get opinions on both sides. I drive past homes every day with cement trucks waiting in line to fill the voids.
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Old 12-16-2009, 12:57 PM
 
69 posts, read 210,401 times
Reputation: 52
Quote:
Originally Posted by debidibly View Post
I personally would not be without sinkhole coverage and if you have a mortgage it may be required so check with your bank.

You can go to Swiftmud's website, plug in the address and find out about sinkhole activity in the area. That is no guarantee either way. Sinkhole coverage does double the price of insurance. Currently you get catastrophic sinkhole collapse coverage by law, I believe.

You will get opinions on both sides. I drive past homes every day with cement trucks waiting in line to fill the voids.
Good food for thought.

Thanks for the info.

Tipsy
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