If your home is/was mortgaged - the insurance MUST be in effect as protection to the mortgage holder. The insurance company is just making sure that you are not cancelling what is MANDATORY coverage to save yourself some money.
Homeowners Insurance Covers your Property. Not criminal activities
None of the major insurance companies sell homeowners insurance in Florida. The state has made a mess in the insurance market and now the state run company citizens is reaping off homeowners.
Did you ever get an answer?
No, it is not illegal for a homeowners insurance company to drop you. But they have to follow the rules for cancellations and non-renewals for the state they are operating in. For example, in Louisiana, if you have been with your homeowners insurance company for 3 years, they can't drop you. In Florida your homeowners insurance company can drop or cancel you but they must meet the minimum notification timeframes.
Many insurance companies offer homeowner's insurance in Florida, either on their websites or through local agents and offices. Popular companies that offer homeowner's insurance in Florida are GEICO, Liberty Mutual, and Traveler's.
Florida Home InsuranceThere are many Insurance companies that sell Homeowners insurance in the state of Florida. A few of them are State Farm, Farmers, Allstate, USAA and Geico. You can contact your States department of Insurance for a complete list of companies that offer home insurance in your state or alternatively you can try an Internet search.Best of Luck
Yes. This is not a 'flood' situation. Flood insurance covers rising waters entering the home. The homeowners policy covers resulting water damage from a wind damaged roof.
There are quite a few things that homeowners insurance will not cover such as earthquake an flood. I have even heard of a insurance policy in Florida that excludes hurricane or wind coverage. Check with your agent to make sure.
The Florida Department of Insurance is a great resource for consumers in that state. They are very involved in protecting homeowners from unaffordable premiums and unreliable companies. Try googling "Florida Department of Insurance" to locate their website. If you do not have regular online access you can find their toll free telephone number in the telephone book.
Royal Insurance Group only services clients in Florida. Some of the services they offer are insurance for homeowners, floods, vehicles, boats and water craft, motorcycles, and RVs. Royal Insurance also offers coverage for companies.
St. Augustine, Florida; a Spanish settlement.
The oldest Spanish Settlement in Florida was St. Augustine.