Subject: Re: Re: Re: Re: Re: Re: Older home NO COVERAGE AVAILABLE

Comments:
: Shelli--perhaps someone from Florida may be able to confirm this. When I worked in Illinois, there was a program called Fair Plan, which offered homeowners insurance where it was not available commercially. Most of the claims I handled for the plan were on homes at least 60-80 years old. : COntact the FLorida Department of Insurance to see if they have such a plan. Also try local independent agents (that is, they represent numerous companies) and see if you can get coverag through one of them. Another idea--assuming your neighbors' homes are similar, what company do they have coverage with? Certainly worth asking and contacting their agent as well. : : : : : Shelli: : : : : I don't know if Farmers Insurance is in your state if they are, try them. My home was built in 1901; it is a 10 room Victorian I don't know if that makes a difference. I am insured by them and they are very reasonable. : : : xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx : : : Thank you Lilli. In Texas Farmers is considered as one of the "Big Three" that I mentioned in my previous message. : : : Be careful now, Lilli. You have just blown away the accuracy of the poster agent. : : : Now the question arises, will his self-inflated ego accept that his posting was in error, or will he launch a vicious attack at you also calling you a Ken Young A## Kisser as he does with everyone else who supports the information I post and not the information he posts that is erroneous in many instances? : : : xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx : : Shelli: : : In 1992 I retired in Dallas, Tx and moved to Florida in the Clearwater area. When living in Texas I also owned a second home which was a weekender home on a large lake not to far from Dallas. : : I moved back to Texas on Padre Island because once again I wanted to own waterfront property and the cost of Florida Waterfront property was three-times as costly as waterfront property in this area of Texas on the Texas side of the Gulf of Mexico adjoining the Texas Intercoastal Waterway. : : Yes, Farmers Insurance had offices in the Clearwater area that I knew of back in the early and mid 1900s. : : A bungelow valued at $180,000 sure sounds like property has skyrocketed over the past two years since I left Florida and returned to Texas. : : The exception may be if your bungelow is waterfront property. In Florida and both Texas we define a bungelow as a single family dwelling with less than 1,000 sq. ft. : : If you do not have any ties holding you in Florida, and you want to visit this area looking for waterfront property, they are very scarce now but you can pick up about a 1,200 sq. ft. house here for about the same $180,00 your bungelow is valued at in Florida. : : Non-waterfront on Padre Island is going for about $125,000 for 1,400 sq. ft. Check out the Lloyds Insurers before you make your final decision and chose the route for you to go out of all the alternatives you have been informed of. : : xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx

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