FAQs - Frequently Asked Questions

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Frequently Asked Questions

What is the Home Insurance Buyers Guide?

The Buyers Guide is an on-line database containing the names of private homeowner insurance companies in Florida who are accepting new policies in your county. It is not a hard copy publication, but rather a searchable database that includes 66 of Florida's 67 counties. It does not include Monroe County.

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How can it help me and why do I need it?

Private Florida homeowner insurance companies who are accepting new business are in short supply. By knowing the names of the companies who are writing new business in Florida, you can contact their agents directly and save thousands of dollars on your Florida home insurance cost if your home qualifies.

You save money because The Buyers Guide helps you to make sure that you are getting quotes from all the Florida home insurance companies still writing new business in your County - something that might not happen if you only work with a single Florida homeowners insurance agent.

The Buyers Guide also gives you a way to screen each insurance company using our Buyers Guide © rating. We've done the research on each of the companies in our database so you don't have to.

Using multiple insurance companies and agents is a must for Florida homeowners who want to save money during the insurance crisis. You have to be willing to shop your policy and create as much competition for your business as you can. If you shop your policy with multiple companies and your neighbor simply calls one agent, you will have a much higher chance at finding private insurance.

The Buyers Guide provides you with specific information by county from an information source that is independent and unbiased. We want to help you find private insurance, but we don't care who you buy it from.

There are only a few companies still accepting new business and the number of policies they are willing to write is limited. Act quickly to give yourself the best chance of finding affordable, private insurance.

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What is so special about private insurance?

Read "Why you want to be standing in the "private" insurance line after the next hurricane."

We believe that Florida homeowners should pursue homeowners insurance from a private insurance carrier - even if that policy is somewhat higher than Citizens.

And there is not an unlimited supply of private insurance.

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Why is the Buyers Guide different from other ways of finding insurance?

The Buyers Guide was designed specifically to help Florida homeowners find private insurance companies who are accepting new business. These companies have been in short supply since the early 1990's. Our research has found that out of 466 companies licensed by the Office of Insurance Regulation, only 36 are actually writing new business statewide, with an average of 21 companies per county. Floridians need a convenient way to find these companies.

When you subscribe to the Buyers Guide, you are in direct control of the process to find Florida homeowners insurance. You search our database to find private companies who are accepting and writing new homeowners business in Florida. You decide which companies you are interested in and contact only the agents of those companies by clicking through to their website, filling out their quote form, or calling them to obtain quotes and coverage.

The Buyers Guide is not an automated quote generator or insurance agent lead source that will result in unwanted phone calls, emails, or quotes from insurance agents. We value your privacy. The Buyers Guide is simply a subscription database with an easy process for finding and screening Florida homeowner insurance companies, locating their agents, and purchasing insurance from them. The information you provide when you sign up is not transmitted to insurance companies or their agents. You decide which companies and agents you would like to contact. No one from the Home Insurance Buyers Guide will call you.

Unlike many of the automated insurance quote generator websites that charge insurance companies and agents a fee for referring business to them, we are an independent and unbiased organization. We will not accept any compensation or advertising from insurance companies or their agents. Our primary purpose is to provide you with convenient company and agent links to help you find the most private Florida homeowners insurance options possible.

If you've ever worked with a Florida home insurance agent who is only willing to quote you high priced private insurance companies or Citizens, then The Buyers Guide is for you. Armed with insider knowledge from The Buyers Guide, you will be free to shop for insurance on your own terms and put a big dent in your Florida home insurance cost.

The Florida insurance market changes constantly and private insurance is in short supply. Use the Buyers Guide to find your best insurance options quickly - while you still can.

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Is the Buyers Guide for everyone?

Quite frankly it is not.

The Buyers Guide is only for knowledgeable Florida homeowners who are serious about shopping their homeowner's insurance policy - in effect, putting it out to bid.

And the Buyers Guide will only help those who follow these simple steps for getting the most out of the guide.

Don't buy the Buyers Guide if you are not willing to do what it takes to shop your policy. If you simply call your current agent when your policy comes up for renewal, the Buyers Guide is not for you.

However, if you are willing to do some leg work and to approach multiple agents for coverage, we believe the Buyers Guide can reduce your Florida home insurance cost significantly while saving you a huge amount of time.

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How much does it cost and what will I receive with my subscription?

The Buyers Guide costs $19.99 for a two week subscription to the on-line database in the county of your choice. Each additional county you require will cost $19.99. It can be purchased using a Master Card, Visa, or Discover credit card. You can also use debit cards with a Visa or Master Card logo. If you need help using your credit or debit card please contact customer support.

When you subscribe to the Home Insurance Buyers Guide you get:

  • The ability to see the number of private companies writing new business in your county before you purchase so you will know your options before you buy.
  • An opportunity to find coverage with the newest companies entering the Florida homeowner insurance market before they sell out all of their new policies.
  • The option to view data for homeowners insurance, dwelling fire insurance, or both - The Buyers Guide can help you find coverage for a primary residence, a second or vacation home, or an investment rental property.
  • Two weeks access to the on-line Buyers Guide database of companies writing new homeowners insurance in the Florida county of your choice - Enough time for you to shop your policy at your leisure.
  • A Buyers Guide Rating© for each company that will save you trips to multiple websites and help you narrow the field of companies in the shortest about of time.
  • A list of the most significant underwriting guidelines for each company so you won't waste time with companies that won't cover your screen enclosure or your pets.
  • Convenient links to help you find an insurance agent representing that company to save you time while allowing you to pick the agent you want to contact.
  • Weekly database updates - a highly accurate database at your fingertips so that you don't have to do endless research to stay on top of a constantly changing market.
  • An opportunity to rate your satisfaction with your present insurance company so that your voice as a customer will be heard. If your insurance company has never asked you to rate your satisfaction with them, here is your chance!
  • The ability to submit your competitive insurance quotes for inclusion in the Buyers Guide cost database currently under development.
  • A one year subscription to our quarterly Ezine - "Florida Homeowner Insurance Alert" with featured columns written by some of the best minds in Florida working for your benefit on the Home Insurance Crisis, along with updates on the private homeowners insurance market.
  • Email bulletins notifying you of major database updates in your county so you can see how the Buyers Guide can help you when your policy comes up for renewal.
  • Access to a community of Floridians who love the State of Florida and want to do as much as they can to keep their homeowner insurance costs affordable - a community that will share market intelligence, quotes and customer satisfaction levels with all Florida residents.
  • Privacy - When you subscribe to the Buyers Guide, no insurance company or agent will contact you. If you decide to purchase insurance, you make contact with the insurance agent of your choice to buy the insurance. No one from the Home Insurance Buyers Guide will contact you.
  • Independence - The Home Insurance Buyers Guide does not receive any compensation from insurance companies or their agents and will not accept any advertising from the insurance industry. The information we provide is to help you find and screen private homeowner insurance companies. We will never steer you towards a specific company or agent.

Finding even one Florida homeowner insurance company you were not aware of, could save you hundreds or even thousands of dollars - paying for the cost of the Buyers Guide many times over. There is not an unlimited supply of private insurance so act now!

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Why are you charging for the Buyers Guide?

The Florida Insurance crisis has resulted in a very dynamic and constantly changing insurance market. Staying on top of this market for the benefit of Florida homeowners is a full time effort requiring a significant investment in technology and full-time resources. This effort includes following all the news and press releases, responding to market intelligence shared by you, and keeping the database accurate and organized. Your subscription contributes towards keeping this data updated and accurate for the benefit of Florida homeowners. The Buyers Guide will also be cooperating with other homeowner and consumer organizations to help them increase their membership base and political impact.

We will continue to price the Guide so that it is affordable to Florida homeowners and delivers value far behind the subscription price.

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When I subscribe to the Buyers Guide, will my personal information be shared with insurance companies or their agents? Will anyone call me?

No. The information you submit is on a confidential basis and will not be shared with any insurance companies or their agents.

You decide which insurance companies you are interested in, if any, and you decide which insurance agents you would like to contact at your own leisure.

You will not receive any unwanted phone calls or emails and you will not be contacted by anyone from the Home Insurance Buyers Guide.

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How often should I subscribe to the Buyers Guide?

You should subscribe to the Buyers Guide once per year about 30 days before your current insurance policy expires. Many insurance companies won't quote you a policy unless you are 30 days or less away from your policy expiration.

If you own multiple homes and have multiple policies with different expiration dates, you should subscribe to the Buyers Guide about 30 days prior to the expiration date of a given policy.

Don't forget, after your initial 14 day database subscription expires, we will continue to keep you posted on the insurance market in your area throughout the year.

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What kind of insurance companies are included in the Buyers Guide?

Companies included in the Buyers Guide must meet all of the following requirements:

  • Licensed, admitted, private carrier authorized to write homeowner policies in the State of Florida
  • The policies being written by the company must include hurricane coverage.
  • The company must be writing and accepting new business.

Companies that meet these requirements do not have unlimited capacity to write new homeowners insurance policies so you must act quickly!

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What kind of insurance companies are not included in the Buyers Guide and Why?
  • Companies whose policies are not available to the general public - those that only write new business for very small segments of the population such as active military or employees of a specific company.
  • Companies that impose so many restrictions that only a very small part of the general public qualify for their coverage.
  • Citizens Property Insurance because it is not a private company.
  • Surplus lines, non-admitted, or unregulated carriers.

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What is the Buyers Guide definition of "writing new business"?
  • The company is accepting new customers and writing new policies for them - not simply renewing their existing customer base.
  • The policies have to be available to the general public - not policies that the public can't get such as those that an insurance company might offer to its employees, agents, or their friends and relatives.

The fact that the company is writing new business must be verified either by referring to the company's website, from direct information provided by the company, or through competitive market intelligence.

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I just read a story about a new company entering the Florida homeowners insurance market. Why is this new company not yet in the Buyers Guide?

If a company you've heard about in the news is not in the Buyers Guide, it is because they are not ready to write new business yet. As soon as these companies are ready to accept new business, they will be added to the Buyers Guide.

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Why can't I just ask my agent for this information?

Read "Why using your existing agent is not enough."

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What if I find a company in the guide, and the agent tells me they are not writing new business in my county?

Use the agent locators in our Buyers Guide to find another agent who represents the same company. It might be that your agent has sold or used up their allocation of policies.

Contacting several agents who represents the same company will dramatically increase your chances of finding coverage. Don't hesitate to call agents who are not in your county or even on the other side of the state. Many agents are free to write coverage anywhere in the state. If they can't write you with that company ask them to refer you to someone who can.

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Should I get quotes from more than one insurance agent?

If you ask multiple agents to quote the same insurance company and provide the same information about your home on the application, the quote should have the same annual policy cost. So don't waste your time or the time of your insurance agent to quote the same company. One quote per company is enough.

However, you should go to more than one insurance agent whenever you have the opportunity to create a competitive situation where you will end up with multiple quotes from several insurance companies. This will occur when one agent represents one group of companies and another agent represents a completely different group of companies. In this situation it is in your best interest to get multiple quotes.

The Buyers Guide will help you to do this.

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Can I get an insurance quote directly from the insurance company?

For most companies, the answer to this question is no. However, a few companies do sell direct. When they do, both the insurance company and the agency part of the business have to be licensed separately by the State of Florida. Always check the status of the license for both the company and the agent before purchasing insurance.

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What is the Buyers Guide Rating©?

You get what you pay for and insurance is no exception.

In today's Florida insurance market, you have to look at more than just price.

If you don't, you run the risk of joining thousands of other Floridians who are still trying to settle claims from insurance companies that have failed and been placed into receivership.

You have to investigate other factors that are just as important as price - things like financial stability, risk diversification, customer service, management experience, and the number of years a company has been in business.

There are multiple websites to help you research this kind of information for each company. These websites provide excellent information but it takes too much time to visit all of them.

If you want to visit those websites, we'll tell you how to find them. But if you don't have time to research this information on other websites, our Buyers Guide Rating ©will give you everything you need in one place to make an informed decision.

Our Buyers Guide Rating© evaluates each of the Florida insurance companies in our database on a scale of "1-10" taking into consideration financial stability, risk diversification, customer service, management experience, and the number of years a company has been in business. This rating is our personal opinion and is a ranking of every insurance company in the Buyers Guide in relationship to each other. It cannot be used to compare against companies that are not in the Buyers Guide.

Here are the approximate percentages that we have used in developing our overall Buyers Guide Rating© for each Florida home insurance company:

  • 50% is based on financial strength.
  • 20% is based on risk diversification across both Florida and other states.
  • 20% is based on the customer service track record.
  • 10% is based on the company's longevity and experience in the industry.

The following provides a high level, general way for you to interpret our Buyers Guide Rating©:

  • Florida home insurance companies with higher ratings have been around longer, have stronger financials, better risk diversification, and higher levels of customer service.
  • If you see an experienced, well recognized company with a low Buyers Guide Rating© it could be due to the fact that the company did a poor job servicing customers during the 2004/2005 Florida hurricane seasons and/or their risk is concentrated in very limited parts of Florida.
  • By design, the newer, smaller companies have lower ratings. Many have not been tested in the aftermath of a Florida hurricane.

The Buyers Guide Rating© is a relative rating system. That means that it is a system that compares all Florida home insurance companies using the exact same criteria. So a company with a Buyers Guide Rating© of 8.0 doesn't mean that we are giving that company our gold seal of approval. However, it does mean that in our opinion that company is twice as good as a company that we've given a Buyers Guide Rating© of 4.0.

When you use the Buyers Guide Rating© don't focus on where a company rating falls on the "1-10" scale. Use the rating to break ties when comparing two companies who are presenting you with identical coverage at a similar price. Screen the companies using the rating to develop a short list of companies that you would like to contact.

The Buyers Guide Rating© should be an important part of your homeowners insurance decision process. This is especially true now that the private insurance market in Florida has moved towards smaller, more recently formed companies.

For instance, don't wait until you have a claim to find out that your insurance company has no prior experience with settling claims after a Florida hurricane. The Buyers Guide Rating© takes this and other factors into consideration to help you make your purchase decision.

When you purchase the Buyers Guide, you will find one rating for each company so you can decide quickly which companies you want to pursue in your county. If your county has 25 companies, the Buyers Guide Rating © will help you quickly reduce a short list of 5 companies or less. This will save you huge amounts of time.

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If an insurance company has a low Buyers Guide Rating© is it a bad company?

Not necessarily. The Buyers Guide Rating© is a relative rating. It compares each of the companies in the Buyers Guide relative to each other. It cannot be used to compare companies on a national basis. As a result, a small, recently formed company is very likely to have a much lower Buyers Guide Rating© compared to an established, large national company still writing new business in Florida.

However, you should do additional due dilligence and research on any company with a Buyers Guide Rating© of less than a "5".

Please remember that each of the companies in the Buyers Guide are doing what most licensed companies in Florida aren't doing - still accepting new homeowners business in Florida. Each of these companies should be commended for that. For some of the newest companies entering the market, it will take time for them to improve their Buyers Guide Rating ©

The Buyers Guide Rating© simply gives you a way to compare each company against each other.

And even if a company in the Buyers Guide is brand new, small, and just setting up its claims process, you will still be standing in a much smaller line waiting for your money after the next hurricane than you will be if you are with Citizens!

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How often is the Buyers Guide Rating© updated?

The Buyers Guide Ratings will be reviewed and updated on a quarterly basis. However, they will be updated on a more frequent basis if a significant change affecting a particular company's rating occurs during a quarter.

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What underwriting guidelines appear in the Buyers Guide?

At the present time, the Buyers Guide includes very high level underwriting guidelines for most of companies in the database. These guidelines help you narrow your search to a short list of companies. These guidelines might relate to the age of the home or the type of home construction. Underwriting guidelines change constantly and insurance companies always reserve the right to allow or refuse exceptions to their established underwriting guidelines. All underwriting guidelines should be verified with your insurance agent and the insurance company.

Sometimes a company's underwriting guidelines may appear to exclude your home from possible coverage. However, the company might simply be scrutinizing a particular type of risk. Always confirm these underwriting guidelines with your insurance agent before ruling out the insurance company for consideration.

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Is Home Insurance Buyers Guide, LLC an insurance company or an insurance agent?

No. The Home Insurance Buyers Guide is not a licensed insurance company or a licensed insurance agent.

The Home Insurance Buyers Guide is an independent organization offering a subscription database to help Florida homeowners find private insurance coverage. Once you locate a company that satisfies your requirements, the insurance is purchased through an agent of that company.

Home Insurance Buyers Guide, LLC is not a licensed insurance company or a licensed insurance agent in the State of Florida. When you subscribe to the Buyers Guide you will have the opportunity to review the insurance companies in your county at your own leisure. No one from Home Insurance Buyers Guide, LLC will contact you.

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Where did the data in the Buyers Guide come from?

It has taken over 9 months to compile this database - one company at a time. Sources for this data include but are not limited to:

  • Insurance companies and/or their agents
  • Insurance company websites and hundreds of press releases
  • Insurance industry publications
  • Florida homeowners in multiple counties who have voluntarily shared this information for the benefit of all Floridians.
  • Volunteers who contributed market intelligence during website testing.
  • Media websites including newspapers, television, and radio.
  • Other websites and blog posts available in the public domain if the data could be verified from multiple sources.

At the Home Insurance Buyers Guide, we are committed to the accuracy and completeness of this data. Visit insurance company corrections if you are an Insurance company representative and would like to correct information in the Buyers Guide.

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How often is the Buyers Guide updated?

Our databases are updated weekly. However, if a new company enters the market the database will be updated on a more frequent basis to get this information to you as quickly as possible.

When a company starts writing new business in your county, we'll add them. If companies stop writing new business, we'll drop them from the database.

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How many homeowner insurance companies are in the Buyers Guide for my county?

Find homeowner insurance companies in your county. When you purchase access to the Buyers Guide, the number of Florida homeowner insurance companies in the database for your county will be displayed before you subscribe.

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Is the data in the Buyers Guide limited to homeowner insurance companies?

No. The Buyers Guide also offers the ability to find insurance companies willing to write Dwelling Fire policies. This coverage is usually purchased by landlords to protect homes that they rent out and do not occupy as a primary residence. Dwelling Fire policies are also purchased by owners of second and vacation homes not occupied as a primary residence. The Buyers Guide does not include information for manufactured/mobile homes or condominium unit owner "contents" coverages at the present time. Please check back with us in the future as we intend to add new products in the near future.

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How many dwelling fire insurance companies are included in the Buyers Guide?

Find dwelling fire insurance companies in your county. When you purchase access to the Buyers Guide, the number of Florida dwelling fire companies in the database for your county will be displayed before you subscribe.

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Why are you asking subscribers to provide detailed property and insurance information?

First, it is important to state that all information you provide when you subscribe to the Buyers Guide is held in strict confidence. It will not be turned over to any insurance company or insurance agent to solicit business from you.

Information about your home and insurance coverage is being collected in order to create a database that will benefit all Florida homeowners - a database that will ultimately include average policy cost and satisfaction ratings for each insurance company for each county in Florida.

In order to create a database with accurate information that you can use to compare one company to another, it is essential that this information is collected in the same format over a specific timeframe for each company. Large sample sizes for each company within a county will be essential in order to reach valid conclusions about both policy cost and customer satisfaction levels for each company.

Detailed information about your home and your policy ensures that future information in the Buyers Guide will be fair and accurate to the insurance companies being compared to each other.

While your personal data will never be disclosed, it will become part of a larger database to help ensure that all Floridians have the information they need to shop for homeowners insurance.

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When I provide information to the Home Insurance Buyers Guide is it secure?

Yes. First when you purchase the Home Insurance Buyers Guide, your credit card number is transmitted via a secure server with a valid SSL certificate. Your credit card number is encrypted and it is only used to complete the transaction. It is not stored in our databases after your purchase.

We do not collect information such as social security numbers and dates of birth for any reason. No one from the Home Insurance Buyers Guide will ever ask you to provide this information either on the phone or via email.

Any information that is collected about your home and your insurance policy is used exclusively to build a database for the benefit of all Florida homeowners. This information will contribute to overall averages and your individual information will always be secure.

All information we collect is hosted in a secure environment in an unmarked location in a data center where only authorized personnel can enter using card access with 24/7video surveillance.

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Why is the Home Insurance Buyers Guide organized as a corporation instead of a "not-for'profit" organization?

Since homeowners insurance first started to become scarce in Florida after Hurricane Andrew, there have been many attempts to help the Florida homeowner to find insurance. Some have been websites that simply post word of mouth and rumors about companies writing homeowners insurance. Others have been more involved with more information. All of these attempts have had difficulty finding and maintaining data in an organized, easy to find way.

The goal of the Home Insurance Buyers Guide is to be a comprehensive source for information Floridians need to have their best chance at finding private insurance and to provide them with the best information to make that decision. Providing this information on a county by county basis in an organized database with a commitment to accuracy takes technology - an expensive investment. It also takes a considerable amount of time and expense to accumulate and verify this information. Finally, the company is going to be here for the long haul. If necessary, it will issue debt or equity to fund ongoing operations - something a not-for-profit organization may not be able to do.

The founder of the Home Insurance Buyers Guide decided that the Florida Homeowner would be better served if the costs of delivering these services were funded via an affordable database subscription - one that delivers value far behind the price of the subscription. A non-profit organization would be dependent on donations to fund ongoing operations. Continuously soliciting donations would have required a significant investment of time - effort that could be better spent helping you, the Florida homeowner through the insurance crisis.

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How will the Home Insurance Buyers Guide remain unbiased and independent?

The Florida homeowner is our top priority and we are passionate about helping you.

In order to ensure that you consistently receive unbiased, independent information, the Home Insurance Buyers Guide will not accept advertising from Insurance Companies or Insurance Agents. And the Buyers Guide does not receive any compensation from any insurance company or insurance agent based on who you chose for your insurance needs.

When you use the Buyers Guide, most of the time, you will be sent to links for an insurance company or to an insurance company agent locator to help you find an insurance agent representing that company. However, there are certain companies that do not have agent locators on their websites or toll-free numbers you can call to find one of their agents. For those companies, we've provided a direct link or phone number to an independent insurance agent that represents that company.

In deciding which insurance agent to include in our database, we selected those agents who met one or more of the following criteria:

  • Represented a large number of insurance companies.
  • Had a website with working links.
  • Offered a toll-free number
  • Geographically located to best service your needs.

We made this decision on our own, with our primary goal being to identify an independent insurance agent who would be in the best position to help you find private insurance. We were not contacted by any of these agents and we will not receive any compensation from them if you buy homeowners insurance using their services. We reserve the right replace these insurance agents at our sole discretion in the future depending on the feedback we receive from our subscribers. Finally, we do not intend to create or maintain a complete database of all insurance agents and their contact methods.

We will consider business opportunities with Florida Homeowner Advocacy groups working to achieve available and affordable insurance for all Floridians. When we form these relationships, we will fully communicate the details of these agreements with press releases and through prominent postings on our website.

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Why is Monroe County excluded from the database?

The entire county is part of the Citizens Property Insurance Corporation "Wind Only" eligible areas. To be included in our database within a given county, the company who is accepting new business has to be writing homeowners insurance policies that includes hurricane coverage. Since all Monroe county residents have to buy wind coverage from Citizens, the county does not have a viable private insurance market for policies that include wind. If private insurance does become a viable option in Monroe County in the future, we will offer it as part of the Buyers Guide.

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My home is a high risk property to insure. Can the Buyers Guide help me?

No. A high risk property is one that has one or more high risk factors which can include but is not limited to any one of the following: Closer than 1500 feet to the coastline, inter coastal waterway, flood plain, or canal; has mud or sink holes present; and homes older than 50 years old. If your home has one or more of these characteristics, the Home Insurance Buyers Guide will not be able to help you locate a private insurance carrier willing to assume this risk. When you purchase a subscription, you should expect to find fewer Florida homeowner insurance companies writing new business in the Citizens Property Insurance Corporation "Wind Only" coverage area as compared to other areas within a county.

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If I buy the Home Insurance Buyers Guide am I guaranteed to find insurance coverage?

No. The Florida home insurance market is very volatile. Each insurance company has its own underwriting guidelines and it is possible that you won't qualify for private insurance. It is also possible that an insurance company still writing new business in your county is not writing in your home zip code. However, because the Home Insurance Buyers Guide allows you to begin your search by focusing on only those companies that are still writing new business, we believe it is your best chance to find a private homeowners policy in Florida.

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Do the private insurance carriers listed in the Buyers Guide have unlimited capacity to accept new business?

No. Each insurance company limits the number of new policies it accepts based on its own requirements. These limitations might be based on any number of factors including but not limited to: maintaining their financial ratings, satisfying their own internal capital requirements or those required by investors, financial institutions, and the Florida Department of Insurance Regulation.

Since the number of private policies being written is scarce, you need to act quickly to be among the lucky few who get this coverage.

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Does the Buyers Guide database include Mobile home insurance companies?

No. There are very few Florida mobile home insurance companies that are open to new business at this time. As a result, mobile home insurance companies are not part of our database. You should not subscribe to our service if you are seeking a private Florida mobile home insurance policy. We will only include mobile home information in our database if a meaningful number of private insurance companies begin offering this product. Please check back with us in the future for additional updates.

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