Florida has long been a favorite destination for those hoping to get away from the harsh, bitter winters that plague other parts of the country.  However, there are some things that new arrivals to the Sunshine state should be aware of, one of which is the cost of property insurance. Florida property insurance rate are the highest in the nation, and this has had a devastating impact on both the economy, and homeowners’’ budgets.  When you consider that Florida’s overall reputation has always been a place for rather low cost living, the exorbitant rates are certainly causing many to wonder […]

Insurance is a need for anyone who buys a home. There are quite a few costly situations that home insurance covers. Natural disasters, home invasions and liability lawsuits are just three examples. Other situations that may arise include damages due to pets. Or damage due to a car accident that involves your home or garage. If an incident occurs, you won’t be able to include additional coverage afterward. Coverage needs to be in effect before the incident happens. Otherwise, any damages to your home, garage or other dwellings won’t be covered or reimbursed. Therefore, knowing the kind of coverage you […]

Breaking down homeowners insurance in Florida Trying to find the best homeowners insurance in Florida is nowhere near as simple or as straightforward as most companies make it out to be. In fact, it can even be argued that if you are finding the Florida homeowners insurance comparison process to be almost too easy, too effortless, and too simplified and streamlined your likely being lied to (or at least misled) into grabbing Florida homeowners insurance and that might not be the best value or bang for your buck. But use the information below in this quick guide to help you […]

If you’re looking for homeowners insurance, Florida rates can seem astronomical. Florida is the most expensive state in America for insurance for the home, and there’s little relief in sight. The typical premium for the average house in Florida is close to $2000 per year. That’s more than four times the cost of insuring a house in the least expensive state, Idaho. Florida homeowners insurance is more than double the national average, and continued cost increases could threaten the state’s reputation for a low cost of living compared to the rest of the nation. Hurricane Claims Are Down, Profits Are […]

You’ve worked hard to buy your house.  It saw you through those early years of marriage when beanie weenies was on the menu several times a week, the birth of your daughter, followed quickly by the next two kids (both girls).  The house became awash in shades of pink, nail polish bottles and eyeshadow.  The backyard cemetery holds the remains of three hamsters, a couple hermit crabs, two chickens and countless numbers of fish.  At times it felt obsessively small, and when the kids had friends over it was overwhelmingly loud.  It protected you through the no-name storm, the hurricane […]

You Can Quote Me You probably just typed “home insurance quote Tallahassee FL” into Google and saw all the results. Yeah, there’s a lot.  Every insurer wants you at their site getting a quote from them and making an on the spot decision. It’s not enough to just get a quote; you need to be able to get the right quote on the right policy and the right riders.  Sound confusing?  You’re not alone. So, what constitutes a good home insurance quote in Tallahassee, FL?  Well, first, what constitutes a good home insurance policy for Tallahassee? Bank On It That […]

Florida homeowners may soon gain more options for flood insurance, more than what’s offered by the current federally subsidized national program, due to a measure that’s designed to help encourage more private companies to enter the market. Earlier this month, the Florida Senate passed the bill, which would provide Florida residents with the flood insurance alternatives they’ve probably wanted. While many Florida residents do need some type of flood insurance, especially if they live in flood-prone parts of the state, the lack of options on the market make it difficult for Florida residents to get true coverage. Most residents have […]

If you own a home or are planning to purchase one, you need home insurance in Florida. But even those who already have it may not completely understand what it covers or how it works. So continue reading this article as we cover the basics involved. Buying a Home       First, if you’re a buying a home, be sure to factor in the costs of Florida home insurance. I know you probably already feel like you have enough numbers flying around you head, but this is an important one. Without home insurance, you’ll never secure a mortgage because no bank is […]

You live in Florida, the land of sunshine and beaches.  It’s also the land of hurricanes, and flooding near the coastline.  Not to mention the countless other things, natural and man-made, that can damage your home – inside and out.  In other words, if you live in Florida, you need home owners insurance. Home owners insurance companies in Florida run the whole scale of good to horrible, so you don’t want open the yellow pages and use the “close your eyes and point” method to pick one.  This is one of the most important decisions you as a homeowner will […]

A quick Google search for the terms “homeowners insurance companies Florida” shows the consumer an overwhelming list of insurers, and a few articles regarding how to choose a company. Insurers run the gamut from national companies to local companies, from those exclusive to one group (such as military members) to those who cover anyone.  It’s a difficult, if not daunting task to choose, but here are some things that can make it easier for you. Ask Around Ask your friends, family, and neighbors who they use, especially your neighbors.  The people who have lived in your area for a long […]