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Old 02-06-2012, 02:41 PM
 
215 posts, read 235,467 times
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We're going to look into changing our Homeowners and Car Insurance.We were wondering if anyone might have some companies worth talking to about this.We thought the possiblity of bundling might save us some money.Any thoughts or opinions would be greatly appreciated.
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Old 02-06-2012, 03:49 PM
 
Location: Dallas, TX
274 posts, read 813,789 times
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If you have a family member (usually a parent or a spouse) who was in the military, USAA is the way to go. I have USAA car insurance (as well as a credit line and bank accounts), and I have lots of good things to say about them.

Homeowner's insurance is a little fishier. I tried to get homeowner's insurance through USAA, but surprise! they don't cover most areas of Florida. Our only choice for homeowner's insurance was Citizens, unfortunately. We have excellent credit and don't live in a flood zone, but since the house was built in the 70's, there were no other choices. I think you'll find that you end up sadly limited in your choice of homeowner's insurance providers.
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Old 02-06-2012, 04:00 PM
 
215 posts, read 235,467 times
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Our home was built in 1948. We are on Siesta Key,hence the flood insurance which isn't too bad.
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Old 02-06-2012, 05:24 PM
 
Location: Port Charlotte, FL
3,979 posts, read 9,906,376 times
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Call your local AAA Insurance. They can give you quotes for home and auto from various companies. Travelers and Met Life were the cheapest I found for auto. But AAA can get you quotes and figure out the best deal.
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Old 02-06-2012, 06:45 PM
 
Location: Sarasota FL
6,864 posts, read 11,248,911 times
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Don't waste your time with American Mercury insurance. They recently canceled my home insurance because they are no longer doing business in Florida. Reason given was that they paid out $19 million in sink hole claims.
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Old 02-07-2012, 06:08 AM
 
16,377 posts, read 21,228,656 times
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ASI (American Strategic Insurance) has good rates for homeowners, but you have to get windstorm separately from Citizens, which is really not a problem at all. Indepenent insurange brokers can quote you on ASI. ASI is rated very well and they are based in St Pete. They are not a fly by night company and they have accurate reserves. There was a newspaper article maybe 6-9 months ago that rated all the HO carriers in FL and gave details about their reserves. Sarasota Herald Tribune published the article, you you want to try to dig it up.

GEICO is very reasonable for auto for us.
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Old 02-08-2012, 06:46 AM
GPH
 
Location: Massachusetts
94 posts, read 219,996 times
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Default Homeowners

Whatever you do, do it before hurricane season starts. Private insurance companies do not underwrite policies at that time, Citizens will be your only option. This happened to us when we purchased our home in August, 2010, once hurricane season was over, we had our agent look at other options and now we have UPC.
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Old 02-08-2012, 07:01 AM
 
Location: Port Charlotte, FL
3,979 posts, read 9,906,376 times
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Quote:
Originally Posted by sware2cod View Post
ASI (American Strategic Insurance) has good rates for homeowners, but you have to get windstorm separately from Citizens, which is really not a problem at all. Indepenent insurange brokers can quote you on ASI. ASI is rated very well and they are based in St Pete. They are not a fly by night company and they have accurate reserves. There was a newspaper article maybe 6-9 months ago that rated all the HO carriers in FL and gave details about their reserves. Sarasota Herald Tribune published the article, you you want to try to dig it up.

GEICO is very reasonable for auto for us.

We have ASI for our homeowner insurance and we got the quote from AAA. They are very reasonable.
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Old 02-08-2012, 01:03 PM
 
215 posts, read 235,467 times
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Thanks for the advice so far. Our rate with Citizens is $1776 a year for our small cottage on Siesta Key. We have a flat roof and had the wind test done.Do you think it would pay to shop a round,or is this the going rate?
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Old 02-08-2012, 01:21 PM
 
16,377 posts, read 21,228,656 times
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We removed contents coverage for windstorm and flood, to save on premiums. ASI would not allow removal of contents coverage (for the non-wind and non-flood HO policy.) So for ASI, we switched contents from replacement cost to actual cash value and this dropped the premium.
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