Getting Involved

Stay out in front of the Florida home insurance crisis.

Let someone else panic about overpriced homeowners insurance in Florida.

Home Insurance Buyers Guide, LLC is an independent consumer organization designed to help you prosper during the Florida homeowners insurance crisis.

Learn more about us in the Florida media.

Our service helps you find, screen, and contact the hidden network of Florida home insurance companies interested in covering your home.

Watch this live demo and see how we can help you find low cost insurance during the home insurance crisis in Florida.

Save using our service because you'll know who the best companies are in your area and how to contact them.

Get the guide.                                                                            Go to top of page.

Low Florida home insurance rates

We'll show you the number of companies open for business in your county before you buy our service.

You'll get the lowest homeowners insurance rates in Florida because you won't overlook companies you might not know about or those that your current Florida homeowners insurance agent can't offer you.

The more Florida home insurance companies you contact, the more you will save.

Get the guide.                                                                            Go to top of page.

Avoid shaky insurance companies during the Florida homeowners insurance crisis

More than half of all active homeowners insurance companies in Florida lost money in the past year - the state took over three companies that were in the most serious financial trouble.

Pick the wrong company and you will face the real possibility of long delays and having your homeowners insurance claim in Florida underpaid.

Waiting for a timely and fair Florida home insurance claim settlement is not going to work if you have a leaky roof or mold in your house after the next Florida hurricane.

We've assigned each Florida homeowners insurance company a Buyers Guide Rating^© on a "1-10" scale.

Our rating system takes into consideration each company's financial stability, industry experience, risk diversification, and customer service experience.

Ratings for Florida home insurance companies in our guide range from a low of "4.8" to a high of "9.2".

The three companies that failed in the last year had an average Buyers Guide Rating^© of "5.7" on a scale of "1-10" before we removed them from our guide.

Chances are that you would have eliminated them from your search using our service.

Use our Florida home insurance company ratings to eliminate thinly capitalized companies from your shopping list so you can focus on only the best companies.

Get the guide.                                                                            Go to top of page.

Find Florida home insurance savings quickly

We've done all the hard work for you so that you won't have to spend time calling companies or agents.

Screen the companies quickly, then use our Buyers Guide Rating^© to filter out the riskiest companies.

Then use the underwriting guidelines we provide to eliminate the companies that won't cover your home because it is too old or too close to the coast.

Finally, use our Florida homeowners insurance agent locators to find an agent for the best companies that you would like to contact. In just minutes you'll be able to find, screen, and contact the companies that you want

Get the guide.                                                                            Go to top of page.

Cover your older home during the Florida insurance crisis

Our service will help you find the companies that will insure homes built prior to 1995.

Miss out on even one of these companies you will overpay for older Florida home insurance.

Get the guide.                                                                            Go to top of page.

Insure South Florida homes during the Florida homeowners insurance crisis

We'll help you cover your home even if it is on the Florida coast or located in the Citizens Wind Pool.

Get the guide.                                                                            Go to top of page.

Homeowners, condominium unit, or dwelling fire insurance companies in Florida

When you subscribe to our service you decide whether to search for Florida home, condo, or dwelling fire insurance companies.

Two weeks to the Florida County of your choice is just $19.99 - plenty of time for you to find coverage during the Florida home insurance crisis.

Get the guide.                                                                            Go to top of page.

Don't let $19.99 keep you from saving hundreds or thousands of dollars

You know that $19.99 is nothing compared to how much you could save on Florida home insurance.

And you'll save time because the research is already done for you.

Don't let a small investment stand between you and huge savings.

Get the guide.                                                                            Go to top of page.

Florida home insurance is hard to find

Not everyone will be successful finding low cost Florida home insurance during this crisis. Many companies are severely limiting the number of policies that are for sale where you live.

Act now for huge savings during the Florida home insurance crisis.

Get the guide.                                                                            Go to top of page.

What you should do right now if you're fed up with Florida homeowners insurance!

Have you had enough yet?

The Florida Homeowners Insurance Crisis is far from over.

State Farm Florida Insurance Company has just reached an agreement with the State of Florida to stay in the Florida home insurance market. However, State Farm intends to move forward with 125,000 more Florida home insurance policy cancellations in the middle of next year's hurricane season.

It's still hard to find affordable homeowners insurance in Florida and there is still not much competition in the Florida property and casualty insurance market.

Two years of Emergency Florida Property Insurance Legislation didn't get the job done:

• Savings were originally expected to average to 24%.
• Then we were told the expected savings were not really savings, but "less of an increase" when compared to the massive rate hikes of prior years.
• Most companies came forward with much less than 24% in rate reductions.
• Our Florida home insurance bills are now cluttered up with hundreds of dollars in special assessments.
• Citizens Property Insurance Corporation and the Florida Hurricane Catastrophe Fund are heavily dependent on an unstable bond market if they run out of cash after the next Florida hurricane.

It can be frustrating as a homeowner but now is the time for you to weigh in on the Florida Homeowners Insurance Crisis!

Get the guide.                                                                            Go to top of page.

Take action right now by subscribing to the Home Insurance Buyers Guide - only $19.99 for two weeks of access to the Florida county of your choice:

• Find out the names of Florida homeowner insurance companies writing new business in your county. Our on-line database will help you find, screen, and contact the Florida home insurance companies still writing new business in your area.
• If the Buyers Guide shows very poor ability of private Florida home insurance where you live, find your legislators and tell them about your limited options.
• Rate your satisfaction with your homeowners insurance company in Florida.
  
  Now you can tell your Florida insurance company how you feel about your relationship regardless of whether they ask you to or not. We will be developing and sharing average satisfaction levels that all Floridians can use for comparison shopping.
• Share your Florida insurance policy quotes with other Floridians. We intend to build a database that will compare the actual cost of Florida home insurance after taking into consideration all discounts - and we will use real Florida homes like yours - not hypothetical homes that won't help you when you go to purchase insurance.
• Tell us who is writing new business in your county.
  
  You can share information about the company names and the types of underwriting guidelines you are facing. We'll validate your information and update the Buyers Guide on a weekly basis.

Get the guide.                                                                            Go to top of page.

When you subscribe to the Home Insurance Buyers Guide you become part of an active, passionate community that is determined to make a difference on the homeowner insurance issue:

• All subscribers share information in a standard format that ensures that will be useful for everyone.
• You won't be the only one sharing, so as you contribute, you will get plenty back in return.
• The information will be updated weekly so you can stay on top of a very dynamic insurance market.

The Buyers Guide is a massive community of Florida homeowners and voters - insurance consumers that will for the first time have an accurate picture of the homeowner's insurance marketplace.

Now is the time to act if you're fed up with Florida homeowners insurance!

Get the guide.                                                                            Go to top of page.

Florida Insurance Crisis

Watch a live demo and see how our guide can save you thousands.

Fight Big Florida Insurance

Join FCAN - Florida's Largest Consumer Group

Rate Your Insurance Company

You can help during the Florida Homeowners Insurance Crisis, by rating your Florida homeowners insurance company now.

Help Your Neighbor

Share Florida home insurance quotes with other Floridians.

Keep Us In The Loop

Please help us keep the most up to date, complete information regarding homeowner's insurance in Florida. Let us know who is writing coverage in your County.

Write Your Florida Legislators

Find out how to contact your state legislators.

Read About Us in:

Florida Trend
Florida Today
Palm Beach Post
The Miami Herald
Tampa Tribune
Business Week
St. Petersburg Times
Treasure Coast News
Bradenton Herald
The Gainesville Sun
Ocala Star Banner
Polk County Ledger

Testimonials

"Your service helped me replace the Florida home insurance policy on my home in Fort Lauderdale after it was cancelled by Hartford Insurance Florida."

Elisa G - Broward County Homeowner