Allstate Insurance

The increases will be 14.9 percent, but in Fort Lauderdale and most of South Florida that could mean 20-30% so look for the next renewals. Allstate did ask for 30% or more so this is a win for the consumer’s I guess. Please call L & S Insurance at 1-888-244-7400  for quotes on Home, Auto, Flood, Business & Commercial and Life Insurance as well. Please read the full article below;


Please read the article and I know it says 40%, but these are state wide average’s. Do not think that Jacksonville, Gainesville and Tallahassee will seee major increases. The Pan handle will see some big Increases, but again in S. Florida, we could see 40-60 or  80% so start shopping now. If you are an Allstate customer with a Castle Key policy, watch out for your renewal. Once this is approved we should see increases quickly so I would assume for November renewals, but time will tell. Please call L & S Insurance for all of your quutes at 1-888-244-7400. We will quote your home, Auto, Flood, Business & Commercial, and Even Life Insurance quotes as well. PLease enjoy the article and send us your referrals.

Althogh this should have occured this year, the Citizens board will be likely to approve this new directive from Governor Rick Scott to raise the cap to 25% for 1/1/2013. This could raise another 100 Million per year in revenue to Citizens and help reduce the billions in debt it will have at the next Hurricane.Senator Faano has been a Consumer advocate in this matter and although I do not agree w/ him on many things, he is correct that the entire system is in shambles and needs a total overhaul. In my opinion, we need to begin w/ every carrier that writes car Insurance here in Florida and chooses to not write Home Insurance like State Farm, AllState, Geico, Progressive, Mercury, Traveler’s, Nationwide. If they do not write Home Insurance, then they should not be alowed to write the Auto. Please enjoy the article below sent to us by our friends at First State Insurance. Please call L & S Insurance for all of your home, Auto, Flood, Business & Commercial, and even life Insurance quotes at 1-888-244-7400.

They want to be independent, but they also want the big company name and now they want both! Allstate agents( Including all subsidiaries like Castle Key) want everything and  let’s see how far they go. I am an independent  agent and  L & S is my agency. I do not have the big company affiliation, my marketing expenses are mine and my decision only. No company advertises to call L & S Insurance in Fort lauderdale for a quote, I do all of that w/ my marketing efforts. Local Allstate agents do not have to do that as it is part of the Franchise fee they pay so why should they have both, I guess I would love both, but I have the hand I dealt my self and I  am pleased where we have come to this point. All the best to them, but I think they will soon realize that w/ Union dues and Union Strikes when the Union is not happy it  could hurt them as well.  Please be mindful of hurricane season now as we are in the peak  season and the storm activity will pick up. Please call L & S for all of your independent  Home, Auto, Flood, Business, Commercial and even Life Insurance.Please enjoy the article below;

The  OIR has backed   All State Insurance saying  it was necessary and they were happy that All State still remains a viable carrier in Florida. The increase for those policy holder’s will be quite substantial in Fort laud, S. Florida and all of Florida, but the worst will be in S. Florida as the increases could truly mean 50% or more. This will be no differant then any other carrier and State Farm has already done this, but worse. We have seen some clients come from State Farm w/ increases that are nearly 300% form the prior year. What makes this worse is that most carriers are also re-inspecting homes for Wind mitigation Inspections and people are loosing doscounts and when that get’s compounded on top of an increase it feels even worse, consumer’s are very upset and I do not blame them. Governor Rick Scott and the Florida legislative body all seem to agreee this is what must be done and it is happening. New people buying Homes should be made aware of the increased cost since many are still trying to squeeze people in and that is a problem many times.Please remember to call L & S Insurance for all of your Home, Auto, Flood business and commercial Coverage’s as well as Lfe Insurance for Fort Lauderdale and all of Florida.


These increases will be a State wide average of 34% which will be huge for S. Florida as the numbers are usually double that number here?? The company Castle Key Insurance  is the carrier which used to be Allstate Floridian. They took a normal increase last year, but this one will be almost triple the last one and on top of it of couse.  The increases should come soon and of course during  Hurricane season the toughest time to shop for a new policy at better rates.Please call L & S Insurance for all of your Home, Flood, Auto, Business and commercial and Flood  quotes as well as life Insurance.

An article by Julie Patel of the Sun Sentinal on the reality of Home Insurance in Florida. 15% / year increase will allow Insurance to double in 5 years and who can afford that or why would people move to Florida knowing this. This is what Governor Rick Scott asked for in his campaign and this is what the Legislator’s in Tall approved last weekend. Now it will be passed into Law in a few weeks. Soon the Citizens Insurance bill will also pass and be signed and 2012 should have some of the highest Insurance rates ever in Florida. They say, that in time, competition will happen w/ higher premiums and some big Companies like State Farm, Allstate and other’s come back to the Florida marketplace. This may happen, but I am doubtfull and this will not be a good solution for Floridians, but great for the Big Insurance carriers. Please read the article by Julie Patel below and remember to contact us at L & S Insurance on this Blog page for Home, Auto and all Insurance quotes.

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