bw17

Our homeowner's insurance through St. John's went up 18% this year. What other carriers are writing insurance for waterfront homes? Single level home on a canal, Collier County, base elevation 10.5' above sea level.

Mattk57

Consider yourself lucky, we went up 33% with them and when we looked around they were still the cheapest.

jheiii

Just went through KIN... cyndi was awesome. cyndi.moyano@kin.com or text 4073378903. Saved 25% vs citizens, with an overall better policy. Good luck! When I saw the citizens renewal I was pissed but cyndi made it all better.
To speed things up I had an updated and complete 4pt and windmit which I sent to her and within 27 minutes she had the policy done.

wangotango321

Marathon doubled if you are getting new paper.

phillyg

FEMA maps have been redone and released in some counties, but not all. Some people not previously in a flood zone are now, and I think velocity might factor for direct waterfront homes.

Edge2O

I'm in Lee County. Have Tower Hill insurance. Home completed in 2014 so code compliant as of that time.

avee8tor

Flood zones have been revised and also many companies do not want to insure ground level (non stilted homes). That said I was with Citizens and just bought another home and my insurance agent got me an awesome deal through Frontline Insurance. I pay $569 per year flood and I am on a canal and on the bay with $1200 deductible.

Texas 17

My policy went up 25% this year in Broward. I'm with Universal. From talking to my agent it sounded like that was pretty consistent with what they were seeing all over.

jheiii

Is that 250/100 coverage? Found the same but for full coverage it was a ridiculous number for flood ins this year.

mikee332

I have Frontline as well

billinstuart

Look at the replacement value of the policy. Property may have a market value of $500,000, but a chunk of that value is land. You don't insure for market value!

avee8tor

My coverage is $250,000 with a $1,250 Deductible.

WPBTH

I would take a 18% increase

Islandthyme

I do inspections for KIN and have been doing a lot of inland and water front homes the past 6 months. The owners tell me they are saving up to 40% over everyone else.

jheiii

Kin came back 25% less than citizens, with better coverage.

Islandthyme

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