Purchasing The Buyers Guide

Will this be the year you stand up to the Florida homeowners insurance industry?

The Sun Sentinel recently reported "Shopping around for property insurance isn't as laughable an idea as it may seem".

Smart, savvy Florida homeowners aren't laughing.

Find out now how they're using The Home Insurance Buyers Guide to send a clear message to an unresponsive, "out of touch" industry............

You've just received a letter from your Florida homeowners insurance company. It's the only time they've written you this year.

What does your letter say?

• Are you being cancelled, or non-renewed?
• Is your bill outrageous - even after the 2007 Legislation?
• Are you being moved from Citizens to a private company again?
• Is your Florida homeowners insurance company rewarding the $9,543 you spent to harden your home with a $121 discount?

Are you fed up with the Florida homeowners insurance industry?

Many residence with homeowners insurance in Florida are being cancelled even though they have never filed a claim.

Only 22 Florida home insurance companies out of 157 have lowered rates by the 24% targeted by the 2007 Emergency Legislation. (Herald Tribune)

Helene Tetrault's Florida homeowners insurance increased from $3,400 to $6,200 per year!. (Palm Beach Post)

Edie Walton - a Rockledge, Florida homeowner spent $130,000 on wind mitigation improvements only to save $500 per year on her policy!. (Orlando Sentinel)

Ted Gembicki of Spring Hill, Florida spent $5,200 for storm shutters and received mitigation discounts of $16.11 from State Farm - a windfall Mr. Gembicki said he would put towards the purchase of a pizza! (St. Petersburg Times)

With these war stories of price gouging and worthless discounts for home strengthening, it's no wonder that Florida homeowners like you are angry.

Many homeowners are taking immediate action by shopping their Florida homeowners insurance policy and putting it out to bid.

What about you?

Will this be the year you stand up to the Florida homeowners insurance industry?

What other warning signs are on the horizon for your Florida homeowners insurance situation?

• Are you worried your present insurance company might be too small to survive the next hurricane?
• Do you feel like you are with an overpriced, no-name company?

The media has warned Florida homeowners about the lack of "name brand" homeowner insurance companies available - thinly capitalized start-up companies that must be thoroughly researched - before you buy one of their policies. (Sun Sentinel)

"Upstart carriers are susceptible to failure if severe storms hit Florida.(Palm Beach Post)

If your Florida homeowners insurance company has limited financial resources, what will you do if they go broke after the next hurricane?

Will this be the year you stand up to the Florida homeowners insurance industry?

At a time when you continue to reward your insurance company with business year after year, many Florida home insurance consumers have experienced the kind of treatment described by Bloomberg News:

• Secret tactics to cheat you out of payments.
• Routinely paying you less than what your policy promises.
• Getting virtually all policyholders to settle for what the insurer offers - taking far less than what you are owed.

National Underwriting highlights an insurance industry that is:

• "Still in denial."
• Facing a public that is desperate for reliable information.
• Enjoying record profits during a time of shrinking coverage and skyrocketing premiums.
• Using too much technical jargon.

This quote from the article says it all:"People perceive that the industry is not only ignoring them, but is openly hostile to their needs."

In spite of this lack of loyalty from insurance companies many homeowners like you continue to simply renew your Florida homeowners insurance policies year after year - giving your agent both your home and your car business.

Will this be the year you stand up to the Florida homeowners insurance industry?

Insurance agents have been shocked at your unwillingness to shop your policy:

An agent in Brevard county recently commented on a client that was quoted a $5,000 renewal on a $3,500 policy. She found that client a similiar policy for $1,500!

A relatively new agent is surprised at Florida homeowner insurance customers who keep renewing year after year with Allstate, State Farm, and Nationwide. This agent was quoted as saying:

"I honestly haven't had a single lead who I couldn't save hundreds, maybe more than a thousand dollars per year.

If even new insurance agents are saving Florida home insurance customers this kind of money, what is keeping you from shopping your policy?

This Sun Sentinel article highlights Arlene Binford - a Plantation resident who who saved thousands on her Florida homeowners insurance by switching from State Farm to another company.

What will it take to get you to shop your policy? How much more can you take?

Will this be the year you stand up to the Florida homeowners industry?

Don't be left behind while everyone else saves all the money!

If you are ready to shop your policy, how do you feel about the tools that are available to you as a consumer of homeowners insurance in Florida?

• Insurance agents who only represent a few companies and recommend Citizens or an overpriced, undercapitalized company.
• On-line quote forms to fill out that either swamp you with phone calls or don't produce any response at all.
• Web sites with information about companies that you know haven't written a new Florida homeowners insurance policy in years.
• Insurance company websites that don't have an agent locator or a simple way to find an agent.
• New companies you've read about in the news that you don't know how to contact.
• Financial ratings that don't differentiate between well established and newly formed companies.
• Worthless tips on how you can harden your home that don't save you any money on your Florida homeowners insurance.

Are you tired of the lack of meaningful information for Florida homeowner insurance consumers? Are you frustrated about having to find out what is going on in the market by "word of mouth"?

If you can find consumer guides for cars and appliances, why isn't there a buyers guide to help you pick the right Florida homeowners insurance company?

A place where you can take control of your situation, find the best Florida homeowners insurance companies still writing new business, and send the Florida homeowners insurance industry a strong message.

There is such a place - with everything you've been looking for.

But it's all up to you...........

As you stand there holding the envelope from your insurance company with all the bad news, it is the moment of truth.

It all boils down to one simple question:

Will this be the year you stand up to the Florida homeowners insurance industry?

Take action right now and fight back by subscribing to The Home Insurance Buyers Guide!

Get everything you need to shop your policy and send the industry a strong message:

• Two weeks access to our on-line Buyers Guide database with the names of private insurance companies still writing new Florida homeowners insurance business in your county.
• Access to companies that have complied with the spirit of the 2007 Emergency Legislation and will offer you huge savings! - Companies with significant mitigation discounts - not discounts that simply cover the cost of a pizza!
• Be first in line to get quotes from the newest companies entering the Florida homeowners insurance market - before they sell out all of their new policies.
• Your choice of data for Florida homeowners insurance companies for your primary residence, or data for Florida dwelling fire insurance companies for your second, seasonal, or rental home.
• A Buyers Guide Rating© on a scale of "1-10" for each company in the Buyers Guide - a meaningful Florida homeowners insurance company rating that tells you which companies we think are better. We'll help you narrow the field to a "short list" of companies in minutes!
• 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
• You screen the companies first - then decide which agents you would like to contact using convenient agent locators.
• A continuously updated, highly accurate database at your fingertips to help you stay on top of a constantly changing market.

The Buyers Guide gives you everything you need to shop your policy in the comfort of your own home.

But that's not all..........

Remember the part about standing up to the insurance industry and sending them a message?

Here's your chance!

As a subscriber to the Buyers Guide community you can:

• Rate your satisfaction with your present Florida homeowners insurance company.
• If your insurance company has never asked you to rate your satisfaction with them, here is your chance! Send your current company a clear message!
• Submit your competitive insurance quotes for inclusion in the Buyers Guide cost database currently under development.
• In the future, the Buyers Guide will include overall satisfaction ratings for all Florida homeowners insurance companies - and valuable information about which companies settle their claims in the fewest number of days. It will also feature a comprehensive cost database - one where subscribers will be able to compare the actual, bottom line cost of Florida homeowners insurance policies.

But there's more!

Subscribers to the Buyers Guide also receive

• A subscription to our quarterly Ezine - "Florida Homeowner Insurance Alert" with featured columns written by the best minds working on the Florida Homeowners Insurance Crisis, along with updates on the private Florida 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 annual renewal.
• Access to a community of Floridians who want to do as much as you do to keep homeowners 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.

So there you have it.

You get the access to an on-line service that can save you thousands of dollars on your insurance in the shortest amount of time possible and an ongoing relationship with a community of Floridians working together to keep our costs down.

A community that will help you stand up to the Florida homeowners insurance industry and send them a clear message!

What would you expect to pay for all of this?

When you add it all up, $200 would be a great price, especially if the Buyers Guide helped you to save $1,500 with a lower priced insurance company you weren't aware of. But that's not what the Buyers Guide is going to cost you.

$100 would make perfect sense if the Buyers Guide helped you to avoid even one thinly capitalized company that might fail during the next hurricane.

$50 would be more than fair considering everything you get with your subscription and the huge amount of time the Buyers Guide is going to save you. But you won't pay that either.

We want The Home Insurance Buyers Guide to be affordable to all Floridians.

That's why we're making the Buyers Guide available for a "limited time" at the low introductory price of only $19.99 for a subscription to the county of your choice - much less than you would expect to pay for an annual membership in other organizations that can't begin to save you what your Buyers Guide subscription will.

You've been a loyal insurance customer but the Florida homeowners insurance companies have not been loyal to you!

Don't reward an unresponsive industry with highly profitable repeat business.

What are you going to do to take action?

Will this be the year you stand up to the Florida homeowners insurance industry?

Use The Home Insurance Buyers Guide to shop your policy now!

Get the guide.

The Buyers Guide is for:

Homeowners

Looking to insure an owner occupied primary residence? Find out more...

Landlords

Looking to find dwelling fire coverage for a rental, vacation, or second home? Find out more...

Real Estate Agents

Looking to help prospective home purchasers make the monthly payment numbers work? Find out more...

Testimonials

"The Home Insurance Buyers Guide was a real timesaver. I attacked the top four companies with the highest Buyers Guide Rating. When I sent in a customer support request about one insurance company not in the guide, the president answered my email very quickly and told me the company was in the process of being added to the database. And he gave me the company's Buyers Guide Rating so I could decide whether or not to pursue it. He was on the ball! I'll be back next year and I will pass the word on."

Theresa T - Palm Beach County Homeowner