@WordsmithFL Homeowners insurance rates are probably the same map.
@WordsmithFL I've been incredibly lucky with my HO. So far they haven't dropped me.
We have a townhouse with a cement roof and metal mansards which may have helped. I know a couple of people who had to replace their roof just to get coverage. Also just recently replaced the upstairs windows with hurricane glass.
I'm hoping to be out of the state before my HO changes their mind about continuing coverage. It's awful.
@CarrieLikesCoffee We had a bundle last year with Progressive for both HO and Auto. They dropped us for HO and raised our Auto through the roof.
We wound up with an obscure Florida-based insurance company, Southern Oak, for HO. A friend who's a State Farm agent got us a more reasonable quote for Auto.
Back in California, our state insurance department had teeth, thanks to Prop. 103 passed in 1988 by a statewide vote. Republicans will never allow that here.
@CarrieLikesCoffee If you can get HO at all ... We're enrolled in a Florida state program that provides 2:1 matching grants for single-family detached dwelling hurricane upgrades. We're going to use it to go to all-impact resistant windows. It will cost us $24K but the state will reimburse us $10K.
It will be expensive, but I suspect it will be the only way we'll be able to get HO insurance in the future.