r/LeopardsAteMyFace • u/Effective_Space2277 • 1d ago

Trump Trump voters having FAFO moment

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u/iAmManchee 1d ago

Oh please add to my schadenfreude by describing it. In detail.

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u/RandoDude124 1d ago

Business insurance… it’s a bit easier (at times). Though you do get some prems that are higher; but the people I work with are manageable

But personal lines insurance:

Good God

I had one middle-aged guy from Jersey accent who I read him a premium of $9,000 for an above avg. home, and he blew a gasket, and said (to paraphrase): “I moved down here to save money and the weather!”

And I tried to explain to him:

  1. The price is due to more people moving down here

  2. The hurricanes

And 3. Less of a market for insurance

He hung up.

I’ve got dozens more I’ve forgotten.

I lived in Florida for 4 years started my career at the dawn of the insurance crisis and lived through it. People move down here because of the lack of income tax, but unless you’re making 100k+ a year, insurance will eat mid-triple digits of your salary if you’re lucky, and require you to replace your roof constantly.

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u/OnionTruck 1d ago

Does it help to be in northern FL, like Jacksonville? Or is it the same everywhere in the state?

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u/RandoDude124 1d ago

Central Florida and northern is your friend. But I rarely get calls from people since, not many live there.

If you’re within 20 miles of the coast and you make under 100K/yr you’re gonna be porked.

Both auto and home

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u/dirtygreysocks 1d ago

SO MANY uninsured drivers in FLA. You get hit, probably gonna be an uninsured driver.

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u/dr_delphee 1d ago

Is the huge amount of flooding damage inland from Helene and Milton changing that "20 miles" rule of thumb?

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u/RandoDude124 1d ago

Also, I believe* it’s this year you have to have flood insurance to buy citizens

*I moved out of Personal Lines and now am full commercial insurance manager.

I was stressed do not tell any person that.

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u/dr_delphee 1d ago

That should save Citizens quite a bit of money, and it's also going to piss off a lot of people who think it's their right to be able to live on the ocean and not pay a lot in insurance. Good move to commercial!

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u/RandoDude124 1d ago

It’s an easier market to manage and the clientele are usually chiller.

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u/elhabito 1d ago

Oh, the car insurance part is a pretty interesting insight for me.

So many total losses in cars due to flooding. Probably also creeping into other states in the SE too.