Since the hurricane losses some years ago from Andrew many insurers dropped out of the homeowners' insurance market in Florida. Not a whole lot of choice.

Switched to them a couple of years ago after a disagreement with Tower Hill; ASI has a decent reputation and their rates were even lower for equivalent coverage.

so I dropped their auto coverage. AAA offered homeowners if you brought your autos as a package deal. You might check into them. I'm 40 ft above sea level, not a flood zone. I wrote Allstate a nastygram when dropping the auto insurance, as if they cared.

The policy does have loss of use coverage.

I'm in Brevard County. I used a brokerage that got prices from every company that offered insurance in my area & Federated National was the best deal.

[link:http://www.fednat.com/|


The broker I used was Florida Insurance Specialists

[link:http://thefis.com/|

Your hurricane deductible goes down every year that you don't have a claim.

Not sure about #4, I have flood insurance. My insurance incl. flood for my house is about $2100 a year. I don't know if that's good or bad but it is what it is. Also I had just shy of a $30,000 claim pay out literally 1.5 months after buying the house because of a break in and my rates went up by $18 a year, which I thought was pretty awesome.