Home Insurance rates continue to decline as carriers continue to file rate decreases with the State of Florida.
Home insurance cost have continued to decline as carriers file for rate decreases with the State of Florida. The last storm to hit land fall in Florida as a Hurricane was Wilma on October 24th 2005. The lack of storms to hit the state as been a major factor in the declining cost of Homeowners Insurance. Many of the the insurance carriers have been filling rate reductions multiple times a year in order to remain competitive in the market place. This has lead to a dramatic drop in homeowners insurance rates and also brought in new carriers to the market place. If you have been with the same insurance company for quite some time it may be time to get quotes from other carriers and see if you policy has a competitive rate. At Greene and Associates Insurance we offer quotes from the top insurance companies in Florida at no cost to you. Below are some examples of the variance in rates between 27 different companies. In the first example you can see there is a $2,000 difference between Security First Insurance Company and State Farm Florida Insurance Company.
This data was provided by the Florida office of Insurance regulation
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This risk is for a Florida masonry home built in 2005, with a current replacement value of $300,000, a $500 non-hurricane deductible, a 2% hurricane deductible, no claims in the past three years, and minimum premium discounts for limited wind mitigation features and no hip roof.
1 SECURITY FIRST INSURANCE COMPANY - $875
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2 FLORIDA FARM BUREAU CASUALTY INSURANCE COMPANY - $1,077
3 UNIVERSAL PROPERTY & CASUALTY INSURANCE COMPANY - $1,128
4 FLORIDA PENINSULA INSURANCE COMPANY - $1,198
5 AMERICAN TRADITIONS INSURANCE COMPANY - $1,334
6 FEDERATED NATIONAL INSURANCE COMPANY- $1,442
7 SOUTHERN OAK INSURANCE COMPANY - $1,451
8 TOWER HILL SELECT INSURANCE COMPANY - $1,452
9 UNITED PROPERTY & CASUALTY INSURANCE COMPANY - $1,452
10 ST. JOHNS INSURANCE COMPANY, INC. - $1,477
11 TOWER HILL PREFERRED INSURANCE COMPANY - $1,493
12 ASI PREFERRED INSURANCE CORP. - $1,513
13 FLORIDA FAMILY INSURANCE COMPANY - $1,524
14 STILLWATER PROPERTY AND CASUALTY INSURANCE COMPANY - $1,562
15 FIRST PROTECTIVE INSURANCE COMPANY - $1,573
16 TOWER HILL PRIME INSURANCE COMPANY - $1,673
17 AUTO CLUB INSURANCE COMPANY OF FLORIDA - $1,721
18 TOWER HILL SIGNATURE INSURANCE COMPANY - $1,788
19 AMERICAN INTEGRITY INSURANCE COMPANY OF FLORIDA - $1,798
20 SOUTHERN FIDELITY INSURANCE COMPANY - $1,819
21 SAFEWAY PROPERTY INSURANCE COMPANY - $1,855
22 CITIZENS PROPERTY INSURANCE CORPORATION - $1,884
23 FIRST COMMUNITY INSURANCE COMPANY - $2,019
24 LIBERTY MUTUAL FIRE INSURANCE COMPANY - $2,296
25 UNIVERSAL INSURANCE COMPANY OF NORTH AMERICA - $2,326
26 CASTLE KEY INDEMNITY COMPANY - $2,394
27 STATE FARM FLORIDA INSURANCE COMPANY - $2,853
This information is intended to be used for illustrative purposes only and does not constitute an endorsement or recommendation of any particular insurance company or plan by the Office. Furthermore, the Office DOES NOT imply or guarantee that a company will sell insurance at the stated premium. Please verify all premium rates with the applicable carrier. Links to insurance company websites and other resources are given as a convenience to the user. The information on these independent sites cannot be verified as accurate by the Office.
If you have had the same policy for a while, now is the time to start shopping.
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