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Additional Details
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araujojessica9 | HELP!! Second home insurance problem. Primary is in Florida...second is in Idaho--where to go for insurance? |
I'm told by the company who covers my primary here in Florida that I need someone in Idaho to issue this policy...and I'm told my the person in Idaho that I need to have someone here in Florida issue the policy....can someone PLEASE help me.
Additional Details
It was an Allstate agent in Idaho that told me she couldn't issue a policy for me. |
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mbrcatz
|
Nope, Allstate isn't going to write a secondary home without writing the primary insurance on it. State Farm won't, either, neither will Farmers or Nationwide. Sure, these companies are "national", but the STANDARD for writing a primary home, is to write the secondary home - as I'm sure you're finding out. And whoever writes whichever policy, needs to be licensed in that state.
I wrote to you seperately - but it's highly unlikely that a FL agent will have an IA license. AND, it's highly unlikely that an IA agent will have a market willing to write a FL home.
SO. You're going to have to ask your real estate agent - or friend, for a referral to an INDEPENDENT AGENT who can put that secondary home in a high risk market. It's automatically high risk, because it's a secondary home without the primary insured with the company.
There is a SLIGHT CHANCE, that, depending on who your FL house is insured with, you can call that company, ask for an agent who represents them in IA, and BEG them to please write your secondary as a special favor to you. THEN BRING THEM DONUTS EVERY TIME YOU'RE IN IA.
Besides that, you could also go to www.foremost.com, and get a policy through them. It's going to be more expensive, but at least you can get it done.
Good luck! |
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sexytrojan
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Call State Farm. They will cover you anywhere. |
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needbabybad
 |
Hello,
My company would love to help you. We are one of the largest insurance brokers in the world however, we specialize in higher net worth individuals (like those with second homes). We are based in Florida but have operations in almost all states. We can easily place insurance on your Idaho home (and even Florida too).
You can call us at (800) 833-0188 or check us out on the web at www.bbtexas.com. |
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Mahan
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Well if the second Home is in Idaho then you have to get insurance from Idaho.
Your agent in Florida can not sell insurance for the property that is located in Idaho unless if he has the insurance license of Idaho. |
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?
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I'm in Zephyrhills and 1/2 this town has no insurance. You probably won't get any insurance except through the state.
http://www.citizensfla.com/
Hurricane Season Begins June 1st. Are You Covered?
Talk with your agent and review your insurance policy now, before the storm.
* Make sure your insurance coverage matches the value of your home.
* Consider purchasing additional coverage, such as flood insurance, which is not covered under your Citizens policy. Although flood coverage is not included in your Citizens policy, you can purchase it through the National Flood Insurance Program.
* Review your annual hurricane deductible, which is typically 2-5% of the insured value of your home.
* Check to see if you have actual cash value or replacement coverage for your belongings. Actual cash value coverage pays only the depreciated value of your property.
* Verify that your policy information is correct. Make sure your mortgage company information accurately appears on your policy.
* Keep your policy documents safe. Place copies of your policy in your safe deposit box or leave them with an out-of-town relative.
For questions or concerns about a Citizens claim, contact your adjuster or call 1 (866) 411-2742. |
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swanser
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Call 1-800-Allstate (without the e). They have agents all over the country. They can help you. |
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CaseyAngelEyes
 |
You will need to get a policy from an agent in Florida. I would suggest getting a quotes online & then you will be able to pick which agent you would like to deal with. You may want to try a website that compares multiple companies at once to get you the best price. I am paying less than ½ after I did.
Go to: http://www.insureme.com/landing.aspx?Refby=616162&Type=home
Take care,
Casey |
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