I"m a relatively new property and casualty insurance agent in Florida.

There is a perceived homeowners insurance crisis in Florida. Many of the big boys (ie Allstate, State Farm, Nationwide) are not writing any new business, policies are being nonrenewed, and if you're lucky enough to not get dropped, premiums are going up by more than 30% a year. Because of this, the average consumer "thinks" there's no alternative but pay what your Allstate, State Farm, or Nationwide agent gets you, which is usually a high rate with Citizens (the state run insurance company of last resort).

However there ARE several small companies writing policies in Florida with great rates, but the captive agent of the big boys can't write them so people don't really know.

I honestly haven't had a single lead who I couldn't save hundreds, maybe more than a thousand dollars a year. But I just don't know how to get the word out. Any ideas?

Include comprehensive hurricane & flood insurance - I bet you'd get more buyers with that !

And yet, all the insurance companies want ME to buy flood insurance - I live in Arizona, 40 miles from the nearest flowing river & we've had 2.71 inches of rain this year.