Originally Posted by fubar1
It's always good to get a quote from an Independent Agent. But make sure he gives you a comprehensive listing of all the quotes he received back and the companies they came from. You don't want him sticking you with a cut-rate company just to get you written.
I'd take those quotes and then do a little of your own research with companies not included.
HO insurance is a tough ballgame these days. Property & Casualty insurance companies consistently lose money on it (even with investment income included) and only write it with the hopes they'll soon get your auto. In Florida, it's even worse.
I will agree with the above for the most part. I have been an insurance agent in Gainesville for 30 years. The problem in Florida these days is most of the homeowner companies do not write auto and most of the auto companies don't write homeowner coverage. The ones that do want both.
When pricing home insurance these days you need to check the coverage close and it can be hard to compare apples to apples unless you have a person that will explain the difference in each quote. A few years back most policies were about the same. Not so today as many don't cover sinkhole or and you have to buy pool screen coverage or water damage.
It still comes down to you get what you pay for. I can take and remove some coverages that you may wish you had after a storm and have a better price.
You will need a roof that has been replaced in the last 15 years in most cases some will give 20. If the home is over 40 years old a 4 pt inspection will be required. If I was buying I would have that done before I bought. Take that and and then shop for homeowners.
As much as I hate to say it the homeowner market is not good for the consumer. The coverage can be bought , but for the most part the companies have the upper hand.
Sorry to go on so long and that's why I didn't earlier in the post. Because it depends on so many thing like the age of the home, credit and location of the property.
One last thing, as an agent I work for my insured and the company and will stand up and make sure they are both treated fair. If a company I write a policy for does not honer their contract I will stand up for the insured as if it was me. I know many don't have much good to say about insurance agents, but I know I only deal straight up and most I know are the same.