Staying with Citizens

 

I recently received a letter from United Property Insurance saying that it was assuming my homeowners’ policy from Citizens unless I opted out. The letter touts United Property’s credentials, service and other reasons why I should not opt out, but it says nothing about my new premium.

My agent obtained the amount from the company — approximately $15,000, or an increase of approximately 100-percent above my current premium. So I chose the lesser of two evils with Citizens, knowing that Citizens will hike my premium substantially on my next anniversary and hoping that if we get a new governor, our Legislature will start passing laws that help the people of Florida instead of the insurance industry.

Nowhere does the letter say that if I choose United Property, future premium increases are not limited by law or subject to challenge by the Florida Department of Financial Services, as are the premiums of Citizens. A letter that only boasts about the advantages of choosing United Property but reveals nothing about the disadvantages is misleading. Unsuspecting homeowners should not be fooled into choosing one company over another. An experienced insurance agent is essential to making a wise decision.

Michael E. Rehr, Palmetto Bay

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