8801 College Parkway,
Suites 1 & 5,
You have to ask yourself…
What would happen if a disaster struck your home tomorrow? Are you confident you're properly covered for damages and total loss? Would you be required to pay out of pocket for some or all the repairs?
These are essential questions and a big part of being prepared if a natural disaster or weather event is imminent. If you doubt whether or not you have enough home insurance coverage, bear this in mind: major insurance carriers may put a hold on new clients prior to a forecasted natural disaster or weather event. If you've lived in Florida for even a few months, you know that the chance of a dangerous weather event is likely!
Feel less pressured in a crisis knowing that:
A home insurance policy protects your house in case of a damaging event, such as a fire, flood, or major storm. The insurance coverage can help pay for the cost of restoring water or fire damage and repairing the house. Homeowners insurance also covers other types of damages to the house, such as water damage from a burst pipe or damage to the foundation or slab.
In Florida, the average home insurance quote is $1,353 per year for coverage of $250,000. However, your home's value and the part of the state you live in will affect how much you pay. Risks for wind damage from tropical storms or cyclones are higher in the state's coastal areas, and therefore, insurance coverage in those zip codes will be higher.
While your home's location and size is the most significant determinant of your premium prices, a few other things also affect your insurance costs:
Home insurance covers the hazards that most homeowners face. When a loss occurs, you will file a claim with your insurance carrier, and you are paid for the expenses, minus any outstanding deductible amounts.
Insurance also covers personal liability exposures, to protect you from many situations that could lead to lawsuits from others.
For instance, if someone slips and falls in your home or is injured somewhere on your property, you can be held responsible. Liability coverage is there to protect you.
You could also potentially need insurance to protect you from having to pay for:
When you see an independent insurance agent like us you have the chance to explore all your options for insurance, and protect the things that are most important to you.
There are many things about insuring a home that most consumers aren’t aware of. We are here to make sure you avoid potential problem areas, including:
While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you.
After all, there’s no such thing as a one-size-fits-all insurance policy when it comes to your personal policy.
Contact us today, and we'll help you protect what matters most.