Quote:
Originally Posted by Ron1Z
We are retiring from Delaware to Florida next week (Ocala area). I'm looking for a package deal for the house cars and RV any suggestions?
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Florida insurance is an interesting bird... I couldn't find one company that would insure everything for a variety of reasons...
My cars are USAA - intent was to use them for everything once I got settled... and were first things transferred.. (They didn't write auto in Michigan - so was new to them...)
They wouldn't write the MH policy - referred to Progressive - not competitive rates/coverage for what I wanted... Ended up with Safeco for the MH...
Then we bought the house... USAA wouldn't write the House policy - over-extended in the zip code - referred to another third party... after a bunch of gyrations with multiple companies ended up with Citizens (FL only company) based on plumbing materials of all things, etc...
Of course Citizens won't write liability at 300K on a house - so needed a 'gap policy' to cover the 100-300K difference that liability umbrella requires... Only one company in US appears to provide that... Mount Vernon.
And then USAA wouldn't write the umbrella either - because they didn't have the home... so yet another company...
Biggest increase in expense with move from MI to FL...
Eventually will get things sorted and consolidated - but will still be expensive.
And if you aren't familiar with 'hurricane deductibles'... standard seems to be 2% the insured value for damage from a named storm...
Above that - be sure you get sufficient uninsured/underinsured coverage here on your auto/MH... You can 'stack' the coverage for multiple vehicles with same company... Too many people running around with 'minimums' which only gives you 10K for medical if they hit you! (I fortunately listened to the advice and had excess for my insurance to pick up where the at fault drivers dropped off when hit last year...)
Welcome to Florida! The weathers nice..