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Bundling- A New Normal? Or Was It Normal?
Lately, insurance companies have been tightening their guidelines to no longer accept what we insurance agents call a monoline policy. AKA a stand-alone home policy without an auto attached or vice versa. This will affect the ability of clients to get a home policy that differs from their auto carrier. This can sometimes be the best option for a client, but with carriers cracking down on eligibility and underwriting guidelines, things can be a bit more complicated. Most clients are concerned about home insurance because they need to close on a home, not their overall cost. (home premium + auto premium.)
This is not the only eligibility factor. So, when you add all the elements together, you might need help navigating the insurance market for yourself or your clients. I can tell you that getting a home quote with your auto insurance carrier will not always be the best option.
If you have any questions or concerns, please reach out, and I would be happy to help!
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5 Replies
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Is it possible to get homeowner insurance in Fort Myers Florida
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It is possible, I have a contact that can shop the market for you. You are going to need a 4pt inspection and a wind mitigation form before you can get a final rate with most carriers.
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Juan, Brent Norkus or Farah Petion can answer your questions about insurance premiums in Florida.
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Florida insurance premiums are out of control.
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Try Neighbors Home Insurance, they are in Southern Florida and I used them for many of my clients and eventually myself as they had some of the most reasonable rates as rates continued to rise. Ask them if they can get you a quote from Citizens. Hope this helps! 😇 Here is their number, 305-383-4040