InsAgentwFLBPs
New Member
Most personal lines agents in Florida are aware that Citizens Property Insurance no longer offers $300k in personal liability--the max is now $100k.
With this in mind, I have a client who owns a home in NY (with extensive Hurricane Sandy claim activity + misc others--5 in total over the last 3 years) and a home in FL. His insurance company, Tower Hill, dropped his insurance in FL affective next week.
With claim activity like he has, Citizens is a good fit except he'll lose his personal umbrella if he doesn't have the $300k in liability coverage on his property.
How do I supplement this? I've never dealt with a scenario of this caliber.
With this in mind, I have a client who owns a home in NY (with extensive Hurricane Sandy claim activity + misc others--5 in total over the last 3 years) and a home in FL. His insurance company, Tower Hill, dropped his insurance in FL affective next week.
With claim activity like he has, Citizens is a good fit except he'll lose his personal umbrella if he doesn't have the $300k in liability coverage on his property.
How do I supplement this? I've never dealt with a scenario of this caliber.