This Prepared Insurance review offers insight into how the company operates and performs compared to other Florida home insurance carriers. We’ll look at third-party reviews and average premium data so you can decide who is truly the best home insurance company in Florida.
Prepared Insurance Company has an A, Exceptional rating from Demotech and has about 0.62 percent of the state’s homeowners insurance market share. The company offers homeowners, condo, renters, flood, and dwelling fire insurance to Floridians. The company has been around since 2009, and so has helped customers through several hurricane seasons.
If a company doesn’t solicit reviews, they often have more negative responses. After all, folks are more inclined to write a review when they are upset. It’s less likely for customers to volunteer good experiences.
Prepared Insurance Company only has 31 reviews on Google, which suggest that they don’t actively seek reviews for their services. They have an average rating of 3.3 stars. Of the positive reviews, one notable five-star rating came after Hurricane Irma where the initial damage estimate was 25 percent less than the actual damage. Prepared worked with the adjuster to make sure the client was taken care of. The critical reviews mostly revolve around cancelled policies.
To their credit, Prepared Insurance Company responds to recent negative reviews in an effort to learn how they can amend the situation.
Kin actively solicits reviews because it is a valuable barometer of how we’re doing. Kin’s customer reviews average of 4.8 stars on Trustpilot based on nearly 800 reviews.
Our reviews overwhelmingly note our professionalism, expertise, and kindness. Other reviewers cite how much money they saved by switching to us. Kin also responds to every less-than-perfect review in an effort to learn more, find ways to help, and improve our processes.
Bottom line: Checking in on customers is the only way to learn, improve, and continue to exceed expectations.
Florida homeowners insurance premiums are higher than almost every other state. You can see how it compares to average national insurance costs here. That’s because the state is exposed to catastrophic storms on a yearly basis, and those storms are getting stronger and more frequent.
Prepared Insurance Company’s average yearly premium is $1,779 a year for a $300,000 newly built home. Ours is $1,354 a year, about is 31 percent cheaper.
Average prices may not reflect your home’s actual premium, which may be higher or lower depending on your home’s location, square footage, construction, and claims history. Plus, hurricane insurance is part of every Kin homeowners policy.
How a company handles claims speaks volumes. It’s the reason folks even have insurance – so they are protected in a claim.
Prepared Insurance reviews don’t mention many claims – most are focused on underwriting and service.
We can speak to our claims philosophy, though. We are easy to reach and ready to provide or find an answer to your questions. We check in with policyholders after a major disaster, even if they haven’t experienced a loss. If they have, we can get a jumpstart on processing the damage.
We rely on technology to streamline claims. Often, we can inspect damage before we can get boots on the ground and are able to process claims faster because of it.
Lastly, we created our Managed Repair Network to help homeowners get repairs done quickly and professionally. When you opt in for this protection, we help connect you with licensed, insured, and local contractors who specialize in the work you need done.
If you are looking for an insurance company that cares, give us a call and see what we’re about.
Get a better look at how Kin compares to other Florida home insurance companies:
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