Home Insurance Buyers Guide, LLC

According to a recent article by Beatrice Garcia of the Miami Herald, State Farm Florida has decided against writing any new Florida homeowners insurance business. The article published on 2/24/2008: “State Farm Florida: No new homeowners policies” provides the highlights of State Farm’s recent decision to stop writing new homeowners insurance in Florida.

While State Farm Florida hasn’t been writing any significant quantities of new Florida homeowners insurance in South Florida in recent years, when combined with the company’s current plan to cancel an estimated 50,000 Florida homeowner insurance policies, it is not good news for South Florida homeowners.

Availability of South Florida homeowners insurance in 2008 will continue to be a problem as the State Farm Florida home insurance cancellations are only part of the 150,000 policies that will be cancelled or non-renewed during 2008 across the State of Florida. Allstate Floridian Indemnity and Nationwide Insurance Company of Florida are also piling on in 2008 with their own rounds of Florida homeowner insurance non-renewals and cancellations.

The Home Insurance Buyers Guide located at:

www.homeinsurancebuyers.org helps South Florida homeowners find, screen, and contact private South Florida homeowner insurance companies still writing new business – good companies that help South Florida homeowner insurance consumers stay out of Citizens Property Insurance Corporation and save thousands of dollars on their South Florida homeowners insurance.

Purchasing the Home Insurance Buyers Guide helps you find lower cost private Florida home insurance alternatives to State Farm Florida. Companies that will not only help you save on your South Florida home insurance, but will also introduce you to new, South Florida independent insurance agents who can also save you money on your Florida auto insurance!

As of this writing, The Home Insurance Buyers Guide still has on average 21 homeowner insurance companies per county in South Florida still writing new business – that’s up to 21 chances for you to replace State Farm Florida or to get out of Citizens Property Insurance Corporation.

Finally, when you look at the South Florida homeowners insurance market, having only 21 possible companies to choose from is not very good. Using the Home Insurance Buyers Guide also gives you a way to get involved with the Florida homeowners insurance crisis and to let you legislators know how you feel.

Just because State Farm Florida is cutting back on home insurance in South Florida doesn’t mean that you can’t find other Florida home insurance companies who can save you thousands!

According to a recent article by Beatrice Garcia of the Miami Herald, State Farm Florida has decided against writing any new Florida homeowners insurance business. The article published on 2/24/2008: “State Farm Florida: No new homeowners policies” provides the highlights of State Farm’s recent decision to stop writing new homeowners insurance in Florida.

While State Farm Florida hasn’t been writing any significant quantities of new Florida homeowners insurance in Kendall in recent years, when combined with the company’s current plan to cancel an estimated 50,000 Florida homeowner insurance policies, it is not good news for Kendall homeowners.

Availability of Kendall homeowners insurance in 2008 will continue to be a problem as the State Farm Florida home insurance cancellations are only part of the 150,000 policies that will be cancelled or non-renewed during 2008 across the State of Florida. Allstate Floridian Indemnity and Nationwide Insurance Company of Florida are also piling on in 2008 with their own rounds of Florida homeowner insurance non-renewals and cancellations.

The Home Insurance Buyers Guide located at:

www.homeinsurancebuyers.org helps Kendall homeowners find, screen, and contact private Florida homeowner insurance companies still writing new business – good companies that help Kendall homeowner insurance consumers stay out of Citizens Property Insurance Corporation and save thousands of dollars on homeowners insurance in Kendall.

Purchasing the Home Insurance Buyers Guide helps you find lower cost private Florida home insurance alternatives to State Farm Florida. Companies that will not only help you save on your Kendall home insurance, but will also introduce you to new, Florida independent homeowner insurance agents who can also save you money on your Florida auto insurance!

As of this writing, The Home Insurance Buyers Guide still has 21 homeowner insurance companies in Dade County still writing new business – that’s up to 21 chances for you to replace State Farm Florida or to get out of Citizens Property Insurance Corporation.

Finally, when you look at the Dade County homeowners insurance market, having only 21 possible companies to choose from is not very good. Using the Home Insurance Buyers Guide also gives you a way to get involved with the Florida homeowners insurance crisis and to let you legislators know how you feel.

Just because State Farm Florida is cutting back on home insurance in Kendall doesn’t mean that you can’t find other Florida home insurance companies who can save you thousands!

According to a recent article by Beatrice Garcia of the Miami Herald, State Farm Florida has decided against writing any new Florida homeowners insurance business. The article published on 2/24/2008: “State Farm Florida: No new homeowners policies” provides the highlights of State Farm’s recent decision to stop writing new homeowners insurance in Florida.

While State Farm Florida hasn’t been writing any significant quantities of new Florida homeowners insurance in Homestead in recent years, when combined with the company’s current plan to cancel an estimated 50,000 Florida homeowner insurance policies, it is not good news for Homestead homeowners.

Availability of Homestead homeowners insurance in 2008 will continue to be a problem as the State Farm Florida home insurance cancellations are only part of the 150,000 policies that will be cancelled or non-renewed during 2008 across the State of Florida. Allstate Floridian Indemnity and Nationwide Insurance Company of Florida are also piling on in 2008 with their own rounds of Florida homeowner insurance non-renewals and cancellations.

The Home Insurance Buyers Guide located at:

www.homeinsurancebuyers.org helps Homestead homeowners find, screen, and contact private Florida homeowner insurance companies still writing new business – good companies that help Homestead homeowner insurance consumers stay out of Citizens Property Insurance Corporation and save thousands of dollars on homeowners insurance in Homestead.

Purchasing the Home Insurance Buyers Guide helps you find lower cost private Florida home insurance alternatives to State Farm Florida. Companies that will not only help you save on your Homestead home insurance, but will also introduce you to new, Florida independent homeowner insurance agents who can also save you money on your Florida auto insurance!

As of this writing, The Home Insurance Buyers Guide still has 21 homeowner insurance companies in Dade County still writing new business – that’s up to 21 chances for you to replace State Farm Florida or to get out of Citizens Property Insurance Corporation.

Finally, when you look at the Dade County homeowners insurance market, having only 21 possible companies to choose from is not very good. Using the Home Insurance Buyers Guide also gives you a way to get involved with the Florida homeowners insurance crisis and to let you legislators know how you feel.

Just because State Farm Florida is cutting back on home insurance in Homestead doesn’t mean that you can’t find other Florida home insurance companies who can save you thousands!

According to a recent article by Beatrice Garcia of the Miami Herald, State Farm Florida has decided against writing any new Florida homeowners insurance business. The article published on 2/24/2008: “State Farm Florida: No new homeowners policies” provides the highlights of State Farm’s recent decision to stop writing new homeowners insurance in Florida.

While State Farm Florida hasn’t been writing any significant quantities of new Florida homeowners insurance in Coral Gables in recent years, when combined with the company’s current plan to cancel an estimated 50,000 Florida homeowner insurance policies, it is not good news for Coral Gables homeowners.

Availability of Coral Gables homeowners insurance in 2008 will continue to be a problem as the State Farm Florida home insurance cancellations are only part of the 150,000 policies that will be cancelled or non-renewed during 2008 across the State of Florida. Allstate Floridian Indemnity and Nationwide Insurance Company of Florida are also piling on in 2008 with their own rounds of Florida homeowner insurance non-renewals and cancellations.

The Home Insurance Buyers Guide located at:

www.homeinsurancebuyers.org helps Coral Gables homeowners find, screen, and contact private Florida homeowner insurance companies still writing new business – good companies that help Coral Gables homeowner insurance consumers stay out of Citizens Property Insurance Corporation and save thousands of dollars on homeowners insurance in Coral Gables.

Purchasing the Home Insurance Buyers Guide helps you find lower cost private Florida home insurance alternatives to State Farm Florida. Companies that will not only help you save on your Coral Gables home insurance, but will also introduce you to new, Florida independent homeowner insurance agents who can also save you money on your Florida auto insurance!

As of this writing, The Home Insurance Buyers Guide still has 21 homeowner insurance companies in Dade County still writing new business – that’s up to 21 chances for you to replace State Farm Florida or to get out of Citizens Property Insurance Corporation.

Finally, when you look at the Dade County homeowners insurance market, having only 21 possible companies to choose from is not very good. Using the Home Insurance Buyers Guide also gives you a way to get involved with the Florida homeowners insurance crisis and to let you legislators know how you feel.

Just because State Farm Florida is cutting back on home insurance in Coral Gables doesn’t mean that you can’t find other Florida home insurance companies who can save you thousands!

According to a recent article by Beatrice Garcia of the Miami Herald, State Farm Florida has decided against writing any new Florida homeowners insurance business. The article published on 2/24/2008: “State Farm Florida: No new homeowners policies” provides the highlights of State Farm’s recent decision to stop writing new homeowners insurance in Florida.

While State Farm Florida hasn’t been writing any significant quantities of new Florida homeowners insurance in Coconut Grove in recent years, when combined with the company’s current plan to cancel an estimated 50,000 Florida homeowner insurance policies, it is not good news for Coconut Grove homeowners.

Availability of Coconut Grove homeowners insurance in 2008 will continue to be a problem as the State Farm Florida home insurance cancellations are only part of the 150,000 policies that will be cancelled or non-renewed during 2008 across the State of Florida. Allstate Floridian Indemnity and Nationwide Insurance Company of Florida are also piling on in 2008 with their own rounds of Florida homeowner insurance non-renewals and cancellations.

The Home Insurance Buyers Guide located at:

www.homeinsurancebuyers.org helps Coconut Grove homeowners find, screen, and contact private Coconut Grove homeowner insurance companies still writing new business – good companies that help Coconut Grove homeowner insurance consumers stay out of Citizens Property Insurance Corporation and save thousands of dollars on their Coconut Grove homeowners insurance.

Purchasing the Home Insurance Buyers Guide helps you find lower cost private Florida home insurance alternatives to State Farm Florida. Companies that will not only help you save on your Coconut Grove home insurance, but will also introduce you to new, Coconut Grove independent insurance agents who can also save you money on your Florida auto insurance!

As of this writing, The Home Insurance Buyers Guide still has 21 homeowner insurance companies in Dade County still writing new business – that’s up to 21 chances for you to replace State Farm Florida or to get out of Citizens Property Insurance Corporation.

Finally, when you look at the Dade County homeowners insurance market, having only 21 possible companies to choose from is not very good. Using the Home Insurance Buyers Guide also gives you a way to get involved with the Florida homeowners insurance crisis and to let you legislators know how you feel.

Just because State Farm Florida is cutting back on home insurance in Coconut Grove doesn’t mean that you can’t find other Florida home insurance companies who can save you thousands!

According to a recent article by Beatrice Garcia of the Miami Herald, State Farm Florida has decided against writing any new Florida homeowners insurance business. The article published on 2/24/2008: “State Farm Florida: No new homeowners policies” provides the highlights of State Farm’s recent decision to stop writing new homeowners insurance in Florida.

While State Farm Florida hasn’t been writing any significant quantities of new Florida homeowners insurance in Adventura in recent years, when combined with the company’s current plan to cancel an estimated 50,000 Florida homeowner insurance policies, it is not good news for Adventura homeowners.

Availability of Adventura homeowners insurance in 2008 will continue to be a problem as the State Farm Florida home insurance cancellations are only part of the 150,000 policies that will be cancelled or non-renewed during 2008 across the State of Florida. Allstate Floridian Indemnity and Nationwide Insurance Company of Florida are also piling on in 2008 with their own rounds of Florida homeowner insurance non-renewals and cancellations.

The Home Insurance Buyers Guide located at:

www.homeinsurancebuyers.org helps Adventura homeowners find, screen, and contact private Adventura homeowner insurance companies still writing new business – good companies that help Adventura homeowner insurance consumers stay out of Citizens Property Insurance Corporation and save thousands of dollars on their Adventura homeowners insurance.

Purchasing the Home Insurance Buyers Guide helps you find lower cost private Florida home insurance alternatives to State Farm Florida. Companies that will not only help you save on your Adventura home insurance, but will also introduce you to new, Adventura independent insurance agents who can also save you money on your Florida auto insurance!

As of this writing, The Home Insurance Buyers Guide still has 21 homeowner insurance companies in Dade County still writing new business – that’s up to 21 chances for you to replace State Farm Florida or to get out of Citizens Property Insurance Corporation.

Finally, when you look at the Dade County homeowners insurance market, having only 21 possible companies to choose from is not very good. Using the Home Insurance Buyers Guide also gives you a way to get involved with the Florida homeowners insurance crisis and to let you legislators know how you feel.

Just because State Farm Florida is cutting back on home insurance in Adventura doesn’t mean that you can’t find other Florida home insurance companies who can save you thousands!

According to a recent article by Beatrice Garcia of the Miami Herald, State Farm Florida has decided against writing any new Florida homeowners insurance business. The article published on 2/24/2008: “State Farm Florida: No new homeowners policies” provides the highlights of State Farm’s recent decision to stop writing new homeowners insurance in Florida.

While State Farm Florida hasn’t been writing any significant quantities of new Florida homeowners insurance in Miami in recent years, when combined with the company’s current plan to cancel an estimated 50,000 Florida homeowner insurance policies, it is not good news for Miami homeowners.

Availability of Miami homeowners insurance in 2008 will continue to be a problem as the State Farm Florida home insurance cancellations are only part of the 150,000 policies that will be cancelled or non-renewed during 2008 across the State of Florida. Allstate Floridian Indemnity and Nationwide Insurance Company of Florida are also piling on in 2008 with their own rounds of Florida homeowner insurance non-renewals and cancellations.

The Home Insurance Buyers Guide located at:

www.homeinsurancebuyers.org helps Miami homeowners find, screen, and contact private Miami homeowner insurance companies still writing new business – good companies that help Miami homeowner insurance consumers stay out of Citizens Property Insurance Corporation and save thousands of dollars on their Miami homeowners insurance.

Purchasing the Home Insurance Buyers Guide helps you find lower cost private Florida home insurance alternatives to State Farm Florida. Companies that will not only help you save on your Miami home insurance, but will also introduce you to new, Miami independent insurance agents who can also save you money on your Florida auto insurance!

As of this writing, The Home Insurance Buyers Guide still has 21 homeowner insurance companies in Dade County still writing new business – that’s up to 21 chances for you to replace State Farm Florida or to get out of Citizens Property Insurance Corporation.

Finally, when you look at the Dade County homeowners insurance market, having only 21 possible companies to choose from is not very good. Using the Home Insurance Buyers Guide also gives you a way to get involved with the Florida homeowners insurance crisis and to let you legislators know how you feel.

Just because State Farm Florida is cutting back on home insurance in Miami doesn’t mean that you can’t find other Florida home insurance companies who can save you thousands!

According to a recent article by Beatrice Garcia of the Miami Herald, State Farm Florida has decided against writing any new Florida homeowners insurance business. The article published on 2/24/2008: “State Farm Florida: No new homeowners policies” provides the highlights of State Farm’s recent decision to stop writing new homeowners insurance in Florida.

While State Farm Florida hasn’t been writing any significant quantities of new Florida homeowners insurance in Dade County in recent years, when combined with the company’s current plan to cancel an estimated 50,000 Florida homeowner insurance policies, it is not good news for Dade County homeowners.

Availability of Dade County homeowners insurance in 2008 will continue to be a problem as the State Farm Florida home insurance cancellations are only part of the 150,000 policies that will be cancelled or non-renewed during 2008 across the State of Florida. Allstate Floridian Indemnity and Nationwide Insurance Company of Florida are also piling on in 2008 with their own rounds of Florida homeowner insurance non-renewals and cancellations.

The Home Insurance Buyers Guide located at:

www.homeinsurancebuyers.org helps Dade County homeowners find, screen, and contact private Dade County homeowner insurance companies still writing new business – good companies that help Dade County homeowner insurance consumers stay out of Citizens Property Insurance Corporation and save thousands of dollars on their Dade County homeowners insurance.

Purchasing the Home Insurance Buyers Guide helps you find lower cost private Florida home insurance alternatives to State Farm Florida. Companies that will not only help you save on your Dade County home insurance, but will also introduce you to new, Dade County independent insurance agents who can also save you money on your Florida auto insurance!

As of this writing, The Home Insurance Buyers Guide still has 21 homeowner insurance companies in Dade County still writing new business – that’s up to 21 chances for you to replace State Farm Florida or to get out of Citizens Property Insurance Corporation.

Finally, when you look at the Dade County homeowners insurance market, having only 21 possible companies to choose from is not very good. Using the Home Insurance Buyers Guide also gives you a way to get involved with the Florida homeowners insurance crisis and to let you legislators know how you feel.

Just because State Farm Florida is cutting back on home insurance in Dade County doesn’t mean that you can’t find other Florida home insurance companies who can save you thousands!

If you have your Florida home insurance with Citizens Property Insurance Corporation until recently, you might not have learned about private Florida homeowner insurance companies that were interested in taking your policy out of Citizens, sometimes for a lower annual premium.

Why?

An article written by Anika Myers Palm of the Orlando Sentinel dated March 13, 2008 – “Regulators to Citizens Property: Do Better Job of Notifying Policyholders” reported that some Florida insurance agents or agencies will not agree to the “take-outs” and policyholders don’t find out that they have an option to move to a private Florida home insurance company.

The article reports on an order passed by Florida Insurance Commissioner Kevin McCarty of the Florida Office of Insurance Regulation that requires Citizens to notify their policyholders when a private, Florida homeowner insurance company is interested in assuming their policy.

Some of the private Florida homeowner insurance companies currently involved in taking policies out of Citizens Property Insurance Corporation include:

• American Integrity Insurance Company
• First Home Insurance Company
• Landmark One Insurance Company
• Florida Peninsula Insurance Company
• HomeWise Preferred Insurance Company
• Southern Oak Insurance Company
• Northern Capital Insurance Company
• Sunshine State Insurance Company
• Argus Fire and Casualty Insurance Company

Of the companies listed above, only 4 of 9 are writing new homeowners insurance business in Florida. The other 5 companies are doing exclusively take-outs. If you are a Citizens Property Insurance Company policyholder, it is very important to end up with the right Florida take out insurance company.

You should look for two things in a potential Florida home insurance company that wants to take your policy out of Citizens:

• A company with a decent size surplus and good financial ratings
• A company that is writing new, voluntary business as well as doing Citizen takeouts.

The second item above is the most important because if a company is writing voluntary, new, Florida home insurance business, it is serious about growing its policyholder base and diversifying its risk across the state. More importantly, Florida insurance companies that are doing this are less likely to take your policy out of Citizens this year, and put your back in Citizens next year!

If you receive a take out offer from a Florida homeowner insurance company:

Check out The Home Insurance Buyers Guide located at:

www.homeinsurancebuyers.org

The Home Insurance Buyers Guide helps you find, screen, and contact Florida homeowner insurance companies still writing new business in your area – Companies that can help keep you out of Citizens Property Insurance Corporation and save you thousands on your Florida home insurance costs.

Find out why it is so important to have private Florida homeowners insurance after the next hurricane and why purchasing the Buyers Guide can help you pick the right Florida homeowner insurance takeout company – one that you will be able to stay with for a long time!

You can also get involved with the Florida homeowners insurance crisis and let your legislators know how you feel about the limited supply of Florida home insurance in your county.

Using the Home Insurance Buyers Guide can help you put your Florida homeowner insurance policy out to bid – even if you are currently with Citizens Property Insurance Corporation!

Before your make a decision on whether to accept an offer from a Florida home insurance company interested in taking your policy out of Citizens, check out The Home Insurance Buyers Guide today!

Allstate is in the news again as the Florida homeowner insurance crisis continues.

Tom Zucco of the St. Petersburg Times reported on April 24, 2008 in an article entitled “Crist: Allstate offered state millions to resolve dispute about a multi-million dollar offer Allstate recently made to the State of Florida.

Governor Charlie Crist, representatives of the Florida Office of Insurance Regulation, and even Allstate Insurance Agents are all mentioned in the article as confirming that a multi-million dollar settlement offer was made by the company – Allstate officials are quoted as saying that no offer had been made.

Where does all of this leave the Florida homeowner insurance consumer?

If this settlement offer was in fact made by Allstate it should be viewed as a bribe designed to influence the negotiations currently going on between the Florida Office of Insurance Regulation and Allstate.

Let’s remember where we came from.

During 2007, the State of Florida passed legislation about homeowners insurance in Florida that offered insurance companies a lower cost for insurance by expanding the Florida Hurricane Catastrophe Fund. Most Florida insurance companies responded with rate reductions in the 12-14% range.

Allstate still went for broke and asked for an increase in excess of 40 percent! By asking for a massive increase when they were supposed to be reducing Florida home insurance rates, Allstate brought all of this rate and document scrutiny upon itself.

Most Floridians should be outraged if it turns out that right in the middle of this dispute, Allstate tried to make the whole thing go away with a cash settlement that looks an awful lot like a bribe.

If you are fed up with waiting for the State of Florida
reduce the high cost of homeowners insurance in Florida, check out The Home Insurance Buyers Guide located at www.homeinsurancebuyers.org – an organization dedicated to helping homeowners find affordable, private Florida homeowners insurance.

The Home Insurance Buyers Guide helps you find, screen, and contact Florida homeowners insurance companies still writing new business in your area – Private companies that will help you avoid being placed in Citizens Property Insurance Corporation and offer you huge savings. Most of the Florida home insurance companies in The Home Insurance Buyers Guide are regional and local companies who have complied with the spirit of the 2007 Florida homeowners insurance legislation and have reduced their rates. These companies have not resorted to the tactics being used by Allstate.

If you still have your Florida home insurance with Allstate, aren’t you fed up with their ongoing insurance cancellations and high cost?

If you want to get the lowest cost on your Florida homeowners insurance, using your existing agent is not enough.

The Home Insurance Buyers Guide will help you to create competition for your Florida home insurance business – giving you the lowest possible cost so that your interests and not those of your agent come first.

Purchasing the Buyers Guide will give you access to other companies that have the potential to replace the Florida home insurance you have with Allstate Floridian Indemnity Company..

Using the Home Insurance Buyers Guide will also put you in contact with an independent Florida home insurance agent who can quote you an auto policy to replace the one you have with Allstate Floridian Indemnity Company – with a lower cost than the auto insurance discount you thought that you were supposed to be getting from Allstate Floridian Indemnity Company on your car all of these years.

Last but not least, The Home Insurance Buyers Guide gives you a way to get involved with the Florida homeowners insurance crisis and to let you legislators know how you feel about the poor availability of private homeowners insurance in Florida and in particular in your own home county. It is also a good way to let your legislators know how you feel about Allstate’s tactics during the present showdown with the State of Florida.

Use The Home Insurance Buyers Guide today and find other companies besides Allstate Floridian Indemnity Company who will still welcome new business from Florida homeowners. You will be pleasantly surprised about how much you can reduce your Florida homeowner insurance cost!