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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 illinoisfisherman 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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