In a great article by Julie Patel of the Fort lauderdale Sun Sentinal, she reviews  some good information to have when making a choice on your Home Insurance policy in Fort Lauderdale and all of Florida. Price is not always the main choice because of the Florida cat fund surcharge I have spoken of so often maxing out at 45%. The State will most likely allow the non protected companies called Surplus lines carriers to depopulate Citizens and at whose risk? Customer service is  a big issue. Citizens does not want you to be there so they don’t always care  as much as a regular admitted carrier competing for business. The competing carriers  will try to make things wright as long as they can stay in business at a profit. Citizens rates will be increasing about 10% in 2012  and the new replacement cost estimators will be raising coverages as well to increase premiums for the State run company. For claims, many have good records and many have no record because of their  short history of being in business. But if the company goes under and they are admitted to the State of Florida then still, why go to Citizens. There are many other reasons like just supporting local business because we don’t want the State of Florida  in our business. Please the full story below; Please call L & S Insurance for all of your Home, Auto, Flood, Business and commercial  & LIfe Insurance policies as well.,0,1513216.story