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Post by Captj on Jun 22, 2024 5:37:50 GMT -5
Is nowhere to be found for my doublewide in the Fabulous Florida Keys. Foremost pulled out and left us looking for coverage. Near impossible. Citizens isn't interested. Who's left out there?
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Post by cadman on Jun 22, 2024 7:27:24 GMT -5
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Post by misterjr on Jun 22, 2024 8:36:23 GMT -5
From the link
Generally, 3 factors impact which companies will offer you a policy or quote. These include the
age of the manufactured home
proximity to the ocean
county in Florida.
I had to go to the state plan for HO insurance, and I'm miles from the Atlantic. We have a client that has a home in the Keys and he self insures the home. If I were you, I'd probably buy liability insurance and self insure the home.
You may not have a choice.
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Post by richm on Jun 22, 2024 10:44:30 GMT -5
Try AAA if you are a member.
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Post by Captj on Jun 23, 2024 5:27:59 GMT -5
Liability, fire and theft is what I've been carrying for a few years. Been trying with several of the mobile home insurers, but when you enter the zip for the Keys they all say no thank you. Not to mention the increases in my rates for my other properties. The situation has gone from bad to worse and I wonder what's going on in the rest of the country faced with floods, high winds, tornados, fires, and other extreme weather situations. I know in California fire insurance is similar to wind storm coverage here. Irma cost me high five figures out of pocket. Not looking forward to that happening again.
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Post by whitebacon on Jun 23, 2024 6:14:49 GMT -5
Liability, fire and theft is what I've been carrying for a few years. Been trying with several of the mobile home insurers, but when you enter the zip for the Keys they all say no thank you. Not to mention the increases in my rates for my other properties. The situation has gone from bad to worse and I wonder what's going on in the rest of the country faced with floods, high winds, tornados, fires, and other extreme weather situations. I know in California fire insurance is similar to wind storm coverage here. Irma cost me high five figures out of pocket. Not looking forward to that happening again. You keep reminding us of two things. That you are wealthy and Extremely stupid. God bless your dumb ass. I prefer to spend my money on . You can make all state rich. Or state farm, or whoever . 75 year old idiots do not impress me. But I will offer you this....you pick up my insurance premiums, and I will pay your property taxes. My insurance is well north of $50 a year, so put your big boy pants on. For future reference, my name is David Campo. I am from Tampa Florida. I live in Caye Caulker, Belize. |
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Post by whitebacon on Jun 23, 2024 6:17:19 GMT -5
**** was the secret word!!
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Post by madm002 on Jun 24, 2024 13:22:45 GMT -5
You need to have an agent look for you. It's hard to get. If you want my son's contact let me know. He and his wife do a ton of p and c
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Post by johngalt on Jun 24, 2024 13:59:16 GMT -5
Just carry fire and liability.
That’s what I have. Went from almost 5K a year to $850.
Not worried about flooding, 28’ above sea level and Michael removed all the trees in 2018.
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Post by Captj on Jun 24, 2024 14:49:46 GMT -5
Liability, fire and theft is what I've been carrying for a few years. Been trying with several of the mobile home insurers, but when you enter the zip for the Keys they all say no thank you. Not to mention the increases in my rates for my other properties. The situation has gone from bad to worse and I wonder what's going on in the rest of the country faced with floods, high winds, tornados, fires, and other extreme weather situations. I know in California fire insurance is similar to wind storm coverage here. Irma cost me high five figures out of pocket. Not looking forward to that happening again. You keep reminding us of two things. That you are wealthy and Extremely stupid. God bless your dumb ass. I prefer to spend my money on . You can make all state rich. Or state farm, or whoever . 75 year old idiots do not impress me. Although I'm not wealthy, at least in your terms, but I would admit to being stupid. I thought this thread was about insurance, but turns out to be just more personal insults. As usual. But I will offer you this....you pick up my insurance premiums, and I will pay your property taxes. My insurance is well north of $50 a year, so put your big boy pants on. For future reference, my name is David Campo. I am from Tampa Florida. I live in Caye Caulker, Belize. |
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Post by olmucky on Aug 14, 2024 15:51:23 GMT -5
We just got our policy renewed on the Tallahassee home>
40% increase (through Citizens). Good thing is that was “only”
$400
Our carrier on our Tampa home told us 16 mos ago they will be dropping us after one more renewal. We just got the new rate and it was a 25% reduction (through Citizens) and the new rate included a more substantial replacement value.
Cash wise this is good news for my pocket book
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Post by ferris1248 on Aug 14, 2024 15:58:49 GMT -5
I feel lucky that I sold my last Florida property. Closed last month. Was just dirt, so no insurance, but the recent increases in taxes and insurance affected the price.
Sold for a little loss as I felt like I should just take the loss and put it towards some gains this year. It wasn't going to increase in price anytime soon. I'll get a better return somewhere else over the next 4 or 5 years.
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Post by Deleted on Aug 14, 2024 16:01:02 GMT -5
I just had premiums double on a few rental homes
Hurts but what can you do
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Post by One Man Gang on Aug 14, 2024 17:14:01 GMT -5
Insurance and property taxes "urged" me to sell 4 rental houses awhile ago... along with asshole renters... I never looked back.
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Post by ferris1248 on Aug 14, 2024 17:20:23 GMT -5
I just had premiums double on a few rental homes Hurts but what can you do Sell'em! |
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Post by Deleted on Aug 14, 2024 17:28:12 GMT -5
Yes or
Raise the rent accordingly
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Post by cadman on Aug 14, 2024 18:40:51 GMT -5
I got my auto renewal and for some unknown reason, it went up $270 for the year. Sent an email to my agent to ask why.
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Post by Deleted on Aug 15, 2024 1:19:12 GMT -5
Auto insurance is going up as much as real estate insurance
I would love to see what the major insurance companies show as profit next year
I think much of the increases are just greed
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Post by bswiv on Aug 15, 2024 4:17:17 GMT -5
Auto insurance is going up as much as real estate insurance I would love to see what the major insurance companies show as profit next year I think much of the increases are just greed If you take a ride between Daytona and Orlando on I-4 pay attention to the billboards. Count the "accident attorney" signs, focusing on not the just sheer number but also the number of DIFFERENT FIRMS. It's a industry, one that costs us a ton in this state. Right in Palatka there are how many different signs advertising "Big Truck Lawyers"........right near the paper mill and the small port area. We need a serious alteration in how we address tort in this state. It was a start a couple of years ago with the 51% rule....but only a start. Truly, a looser pays system, one where not just the plaintiff but also the LAWYER who brings the action is on the hook for the fees of the other side if they loose. This would cause the attorneys to roll the fuzzy dice a whole lot less often.......and it'd surely stop the practice of suing for a amount that they KNOW is not worth fighting over so they they just get paid. We could go on a while about this. As to "greed"....beyond the fact that no such thing exists in a clearly definable way......surely if one was to attempt to design a comprehensive definition, part of it would include the concept of how much the activity for which funds are being extracted adds to the health, safety and economic output of the society as a whole. How many and which areas of insurance we'd toss into that basket is up for argument......but......."accident attorneys".......as the INDUSTRY exists now.....would land more in there than insurance. |
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Post by mapper on Aug 15, 2024 5:43:14 GMT -5
On auto 2 or 3 yrsago Flo and Co. Was 1k cheaper than the statue of liberty on my 2 vehicles.
I just went through this 2 months ago..the lizard was 700 bucks cheaper than Flo and Co.
I asked my agent and she said fl was 3rd highest in the nation due to frivolity and ambulance chasing.
Home insurance I'm satisfied with the outfit that makes keys for the castle, the billing is kind of wonky as far as web access, but that got worked out.
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Post by richm on Aug 15, 2024 6:39:21 GMT -5
FL is also a high accident rate state.
We were gonna retire to N FL and at the current rate, would not be able to afford the insurance. Looking to GA. For some reason the wife changed her mind on AL. Seems like it'll be cheaper to live outside of FL in the future.
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Post by OhMy on Aug 15, 2024 7:27:57 GMT -5
What's a double wide worth these days?
I would think self insurance is the way to go. Make payments to a separate account every month and don't touch it.
I am sure your land is far more valuable than the double wide.
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Post by misterjr on Aug 15, 2024 10:11:00 GMT -5
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Post by madm002 on Aug 15, 2024 10:11:33 GMT -5
Auto insurance is going up as much as real estate insurance I would love to see what the major insurance companies show as profit next year I think much of the increases are just greed If you take a ride between Daytona and Orlando on I-4 pay attention to the billboards. Count the "accident attorney" signs, focusing on not the just sheer number but also the number of DIFFERENT FIRMS. It's a industry, one that costs us a ton in this state. Right in Palatka there are how many different signs advertising "Big Truck Lawyers"........right near the paper mill and the small port area. We need a serious alteration in how we address tort in this state. It was a start a couple of years ago with the 51% rule....but only a start. Truly, a looser pays system, one where not just the plaintiff but also the LAWYER who brings the action is on the hook for the fees of the other side if they loose. This would cause the attorneys to roll the fuzzy dice a whole lot less often.......and it'd surely stop the practice of suing for a amount that they KNOW is not worth fighting over so they they just get paid. We could go on a while about this. As to "greed"....beyond the fact that no such thing exists in a clearly definable way......surely if one was to attempt to design a comprehensive definition, part of it would include the concept of how much the activity for which funds are being extracted adds to the health, safety and economic output of the society as a whole. How many and which areas of insurance we'd toss into that basket is up for argument......but......."accident attorneys".......as the INDUSTRY exists now.....would land more in there than insurance. I drove from Florida to Michigan. Especially in Georgia there were three types of billboards, lawyers, relgious and porn shops. That was it. You Georgia boys must get around a bit. |
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Post by bswiv on Aug 15, 2024 13:11:24 GMT -5
If you take a ride between Daytona and Orlando on I-4 pay attention to the billboards. Count the "accident attorney" signs, focusing on not the just sheer number but also the number of DIFFERENT FIRMS. It's a industry, one that costs us a ton in this state. Right in Palatka there are how many different signs advertising "Big Truck Lawyers"........right near the paper mill and the small port area. We need a serious alteration in how we address tort in this state. It was a start a couple of years ago with the 51% rule....but only a start. Truly, a looser pays system, one where not just the plaintiff but also the LAWYER who brings the action is on the hook for the fees of the other side if they loose. This would cause the attorneys to roll the fuzzy dice a whole lot less often.......and it'd surely stop the practice of suing for a amount that they KNOW is not worth fighting over so they they just get paid. We could go on a while about this. As to "greed"....beyond the fact that no such thing exists in a clearly definable way......surely if one was to attempt to design a comprehensive definition, part of it would include the concept of how much the activity for which funds are being extracted adds to the health, safety and economic output of the society as a whole. How many and which areas of insurance we'd toss into that basket is up for argument......but......."accident attorneys".......as the INDUSTRY exists now.....would land more in there than insurance. I drove from Florida to Michigan. Especially in Georgia there were three types of billboards, lawyers, relgious and porn shops. That was it. You Georgia boys must get around a bit. Here in Florida the accident attorneys way outshine the other two.....in more ways than you imagine.... |
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Post by Deleted on Aug 15, 2024 23:15:04 GMT -5
Just got another policy rate increase today. This time State Farm. Wow? 175% of what it was last year
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Post by mapper on Aug 16, 2024 0:40:23 GMT -5
Ouch..
Did you ask them if they could swap the crushed oyster shells and cosmoline lube for crushed shells or sand and cosmoline? It seems like an option if you pay in full AND have the driving app on the phone.
They never were able to answer my questions about speeding and hard braking while driving a house though. Maybe you'll get a better answer.
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Post by Deleted on Aug 16, 2024 12:46:54 GMT -5
I’m shopping for new companies today.
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Post by Captj on Aug 16, 2024 12:53:13 GMT -5
Well, we do live in a "free" state. Free to overcharge us for insurance and property taxes.
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