I sure hate hearing that USAA prices are so high. I use to be able to guarentee they could beat any quote for military people. Guess i should stop now.

@DavidMonty

4 ай бұрын

I learned along time ago they are not less expensive, but their service was good enough to stay with them with the minor price differences. But, this price diffference is too big to over come that.

What fantastic content! The whole thing was right on point and well done. Thank you very much. If I decide to move from one house to another in the villages as so many people do, I may just have to contact you. You know, the old thing about having to have a VLS and MLS agent to see everything in the market.

@DavidMonty

11 ай бұрын

Glad the content is useful! Let me know if you ever need help with your real estate needs.

❤ here comes hurricane Idalia....I will be interested to see how the Villages homeowners do in this storm...

@DavidMonty

11 ай бұрын

Yup :) So far it doesnt look like it will impact our area too much.

Great info David, I just got back from the Villages on Thursday night. I'm activity looking for a home. I will email you in the near future to discuss more. I have a Villages sales agent, but looking for a MLS realtor also. Thanks again.

@DavidMonty

11 ай бұрын

Sounds good, let me know if I can help you out.

having to replace 30 year shingle roof after 15 years is just wrong

@DavidMonty

11 ай бұрын

I agree! But something has to be done with tort reform and not make it so easy for roofers and owners to sue the insurance companies.

How many people in The Villages self-insure? I live over by Sebastian and don't pay for wind/flood because I'm happy to accept the risk. If i lived in TV I'd feel much more confident to self-insure.

@DavidMonty

11 ай бұрын

I dont know of any of my clients who self insure, but I am sure that some do. The national average for self insurers is 4-5%. In Florida its approximately 13% of people who self insure. My guess is that is a combination of factors like income level vs. the high cost of insurance here. When you look at deographics of buyers, the older people get the more conservative and risk adverse they become. Villages residents seem to be more affluent than the average, so I would imagine the combination of those factors would mean self insurance here is probably below the national average.

I assume by roof you mean shingles.. and why do the shingles wear out so fast ? I live in Minnesota and we get 100 feet of snow every year and my shingles have lasted 22 years, so far.. and appear to have a few more years left ? I would guess it is heat related, but figure I would ask in case you know that. Thanks again for the great video. Still working on a life style visit, but taking as many good notes as I can from the you tubers, just in case the visit leads us down a path to move.

@dibari22

11 ай бұрын

I don't really understand it either. I live in Las Vegas and we have cement tile roofs that last forever. The many shingled roofs here seem to be well over 20 years old too. I've asked around and it sounds like the humidity/rain + the heat is a terrible combo and there's plenty of algae growth too. Those factors combined with regular winds mean the lifespan of the roofing materials is shortened to 12-15 years. Which is completely crazy.

@noreenn6976

11 ай бұрын

Just a cash grab by the insurance companies, in my opinion.

@DavidMonty

11 ай бұрын

@@noreenn6976 Its a cash grab my homeowners, roofers, and lawyers. The insuarnce companies are defending against fraudulent claims.

@DavidMonty

11 ай бұрын

@@dibari22 Please, read my reply on the main comment here.

@DavidMonty

11 ай бұрын

They dont wear out that fast. Usually roofs hear last longer because they ever freeze. Its the insurance companies mitigating their risk. Older roofs will show some signs of damage and are more suseptible to damage. This has notthing to do with the quality for the roof, it's has to do with insurance companies not wanting to insure older roofs.

Your free resources are soooo incredibly helpful! Thank you!!

@DavidMonty

11 ай бұрын

Hi Jan, I am glad you find them useful!

Very informative. Thank you. Also could you send me your updated budgeting tool.

@DavidMonty

11 ай бұрын

I dont have your email. Please email me at -- davemontysales@gmail.com

I have a question with your experience ...have you found roofs with solar panels harder to get insurance and when they do, it's much higher? Just curious if I should pass over homes with solar panels.

@DavidMonty

11 ай бұрын

I have this question out the insurance company, stay tuned

Thank you for this video Dave. From the media reports, it sounded like every homeowner of a single family home in Florida is now paying $5K and up for their homeowner's insurance. Didn't know auto insurance is so expensive in Florida. Shopping around for insurance seems to be one of the keys to saving $.

@DavidMonty

11 ай бұрын

That $5k is at the coast not central florida.

Great video, Dave. Still happy to be part of your mailing list even though you've already found us the perfect new home!

@DavidMonty

11 ай бұрын

I dont recognize your KZread user name :)

Thanks for another informative video.

@DavidMonty

11 ай бұрын

Thanks Marty! Looking forward to seeing in the Fall.

I see some village homes with tile roof’s, is it the same deal, every 10-15 year replacement that insurance is looking for?

@DavidMonty

11 ай бұрын

Tile roofs are considered 100 year roofs. Still SOME insurance companies are asking for repacement at 20 years. But, you can always find someone to insuare the home.

is the premium for the car insurance for one or two cars?

@DavidMonty

11 ай бұрын

2 cars!

Good infor. Thank you

@DavidMonty

11 ай бұрын

You are welcome Freddy.

Does a block and stucco save money on insurance? Thanks for this video. It was very helpful! I'm looking at The Villages in about 3 years.

@DavidMonty

11 ай бұрын

Yes about 15%

Dave I would like you budget tool but I can't find you email address.

@DavidMonty

11 ай бұрын

Hello Jean, my email address is davemontysales@gmail.com

What a great video!!!

@DavidMonty

11 ай бұрын

Thank you Lisa!

I thought Citizens was the only Insurance company now?

@DavidMonty

11 ай бұрын

There are several companies that writh policies here, not just Citizens. I had USAA, there is State Farm, All State, I now use Frontline, .....