Emerald Coast Insurance companies - who are you using?

[DestinBrew]

I am currently with Olympus and the rate keeps going up... I am about 2 blocks from the beach.

Anyone have any recommendations for changing?

 

[PoppaJ]

I am currently with Olympus and the rate keeps going up... I am about 2 blocks from the beach.

Anyone have any recommendations for changing?

Your home value is also going up.

 

[Bob Wells]

I am currently with Olympus and the rate keeps going up... I am about 2 blocks from the beach.

Anyone have any recommendations for changing?

Talk to your Insurance Broker and see if they can check other companies. Check other Brokers.

 

[leeboy]

Your home value is also going up.

But don't you have to request more coverage?

 

[PoppaJ]

But don't you have to request more coverage?

I guessing they are speaking of rising costs at yearly renewal time and why would you insure your home for less than value?

 

[leeboy]

I guessing they are speaking of rising costs at yearly renewal time and why would you insure your home for less than value?

Check your replacement coverage amount. It probably is still at whatever you told them when your policy began unless you increased it - right?

 

[PoppaJ]

Check your replacement coverage amount. It probably is still at whatever you told them when your policy began unless you increased it - right?

Yes I increased it, but premiums will rise regardless. You’re paying more for the same size loaf of bread today than you did ten years ago. Not sure why you would expect insurance premiums to remain the same year after year.
Unless your lender requires coverage or you have no mortgage simply opt out.
My home has no debt and is in zone x yet I still choose to insure including flood coverage.
Everyone needs to comparison shop everything.