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Answers > Where Can I Find a Good Homeowners Insurance Policy in Florida?

Where Can I Find a Good Homeowners Insurance Policy in Florida?

by Florida Office of Insurance on July 29, 2011

I have 2 homes to insure. One is a double wide 2004 on 9.5 acres the other is a house 2bdr 1 bth & is a little older. HELP PLEASE!
Neither homes are rentals. One is my primary home the other is a second home. Also, trailer/mobile homes are still considered homes. I have insurance on one that I presentally own & the insurance is still homeowners insurance. The company is not writting any new policies which is why I am searching for a new company.

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mbrcatz17 July 29, 2011 at 7:07 pm

OK, the first one isn’t a home – it’s a mobile home or trailer. NOT the standard homeowners. It’s not easy to insure a house in FL, and REALLY not easy to insure a trailer, especially if you’re coastal.

SO. ONE of these at least, is obviously a rental. The agent that writes your primary coverage for the place you live, should be the one doing the rental.

But assuming your agent can’t help you, you’re MOST LIKELY going to be stuck with Citizens, the Florida state run insurance company. It’s really expensive, and they’re very slow paying claims. But they’re still writing new business, which is more than just about anyone else can say.

If you’re with Citizens now, or you have a Citizens quote, well, that’s the current market. You could try Foremost for both, they’ll do rentals and trailers, but I don’t know if they’re currently writing in Florida. No one else seems to be.

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