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[quote=Anonymous][quote=Anonymous][quote=Anonymous]We have a home in FL a few miles from the ocean. We don’t shop around for homeowners and only use USAA. Our FL property homeowners is cheaper than our VA property. We have coverage that will make us whole if there were a catastrophic event in the area because we would work with reputable USAA vendors. We are immediately reimbursed for food loss in refrigerator/freezer and hotel is covered if power is lost. 
It’s easier to complain than do your research. [/quote]
What's your flood zone?
Sadly your situation does not match my family's over there. insurance skyrocketing, then having to rely on Citizens, then Citizens threatening to drop because a private insurer *could* offer insurance at a much greater price than Citizens, and so on. They are also on an island in miami so they must get flood insurance that keeps increasing (when the house is paid off in a few years they'll self-insure as many do over there). I dont have (or expect) much sympathy because they are literally on a flood zone and first to be evacuated when a hurricane is near but a lot of family friends that live on the mainland also have had this happen to them to the point where they cant afford the insurance premiums.

And dealing with the insurance after Irma was a royal PITA. I don't know how regular people do it: we had to pay upfront for repairs and then constantly pester the bank to release that money to get reimbursed. it was like pulling teeth. thank goodness we had the needed cushion, otherwise we would have had to wait months for the basic roof repairs[/quote]

We are not in a flood zone that requires FI. Our premium went down last year. But after reading this post I am going to look into wind insurance. [/quote]

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