I want Fire + Theft insurance for my house. S / W Florida, 34652. Anybody help?

Answer 1

Yeah, good luck on that. Go to a local, independent agent. They'll give you a quote for Citizens, the state insurance fund. Citizens is the ONLY company writing house insurance in Florida right now.

As you know, Flood and Wind (or hurricane) is NOT covered in the basic policy. You won't be required to purchase it if you don't have a mortgage. The deductibles are high, and the premiums are even higher.

There IS no one else writing in FL right now. If you're with Citizens right now, and trying to get out . . .don't bother, you're wasting your time.

Answer 2

34652 is New Port Richey, FL [You didn't say.]

It is on the Gulf coast just above Clearwater and the Tampa Bay area.

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Given the current state of Homeowner's insurance in Florida [I'm in Miami area], you must have hurricane coverage as well if you have Homeowoner's [Fire and Theft are part of the package, as is Liability]. Avoiding Hurricane insurance completely just isn't legally possible at present [with the possible exception being that if you own your home free and clear of all mortgages].

If you are close to the Gulf, or your home is older [built to pre- Hurricane Andrew standards], you'll almost certainly end up with Citizens [state owned provider] hurricane coverage. This can be gotten from any insurance agent in town, so the place to start is with whoever provides your auto insurance.

Of course, if you have one of the Internet/phone auto insurance companies like GEICO, they don't write Homeowners at all and you'll need a regular local insurance agent.

For that, I suggest talking to your nearby neighbors. They already have such insurance and can tell you from experience which agents and companies actually provide good service at rates they could choke down somehow. [Of course, it they have Citizen's the service is lousy and rates excessive, but what do you expect of government??]


GL mate -- you'll need it.

:-)

Answer 3

Send $1,000 in cash to me, and you will be insured.