I need homeowner insurance on my house. I live in Florida and cannot get anyone to write me a policy?

Answer 1

You can go to the Florida "FAIR" plan for your basic homeowners, then Citizen's Insurance for the wind coverage, and the flood through National Flood Insurance Plan.

As you know, insurance in Florida is NOT going to be cheap; these companies are the carriers of last resort (well, except for Flood, you only EVER find flood coverage through NFIP) but if you've tried several independent agents and they are all turning you down, you can get the coverage - all you have to do is cough up the money, and fill out the application. If your house has "issues", like unrepaired damage, you need to take care of that right away; they WILL inspect within the first 30 days.



Here's the contact info:

Florida Residential Property and Casualty Joint Underwriting Association (F, MSC)
101 North Monroe Street, Suite 1000
Tallahassee, FL 32301
[phone]
Fax: [phone]

http://www.citizensfla.com/purchasing/index.cfm

and

http://www.fema.gov/business/nfip/

Answer 2

For people who can not purchase insurance on there home for what ever reason the State has an insurance company set up. You will pay more, not have the best of coverage however, some insurance is better then none. Contact Florida insurance Department

Answer 3

My parents moved to FL 4 years ago and had a similar problem. They thought they could compare/contrast different policies, and it turns out because it is FL (and only for that reason), the only insurer they could get to give them a policy was Nationwide (because of their long term relationship the 30 years prior to that).

The only thing left for you to do is do the state-run insurance Citizens.

Answer 4

You didn't say anything about why you're being denied--is it your location, the type you're trying to get, or is there a general moratorium on new insurance policies in the state?

Answer 5

Sounds like your stuck with the state ran insurance Citizens.

Answer 6

Try the below company

Answer 7

That's what happens when you live in Hurricane Alley - if that's where you live.