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Florida-Trampoline-Insurance

Florida Homeowners Insurance For Trampolines

Trampolines are a type of device that characteristically features a piece of strong tight fabric stretched taut over a steel frame featuring several coiled springs.

 

This produces a device that’s bouncy enough to launch people in the air when they jump onto it. While the fabric mat that stretches over the frame isn’t entirely elastic, it’s the responsibility of the coiled springs that produce the elasticity causing the bouncy effect, since they store potential energy.

 

Trampolines are an object of affection for kids, though they’re also commonly used in sports and recreational contexts where the device may be needed to facilitate higher jumps and the like. People can even buy trampolines for use at their home. While it’s simple to buy a trampoline, there are potential issues with buying one. Those issues often involve safety issues.

 

The problem with trampolines

 

Trampolines can be a fun addition to the home, though they have a side that a lot of people don’t quite understand… until someone gets hurt.

 

If not tended to properly, a trampoline can hurt someone. And, when we say ‘tended to,’ we’re mainly talking about supervising or watching over the people that may choose to use your trampoline at any time. The thing about trampolines that they’re instant liabilities—even if you do watch the people that use your trampoline, there’s still a risk of someone becoming injured just by using it. That’s the main issue with having a trampoline at your home.

 

That’s another reason why kids shouldn’t be left alone with trampolines either. While you can do everything to make sure your kids’ trampoline is high quality and safe enough to use, the risk of injury is still there. Add in the possibility of someone else’s kids getting injured and you pretty […]

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homeowners insurance rates in Florida

Is there relief in sight for homeowners insurance rates in Florida?

The premium bill comes in the mail and it is a familiar scene played out all across Florida. You stand there, shaking your head, wondering why the homeowners insurance rates in Florida continue to rise.

The answer, unfortunately, is probably not one that you want to hear. According to a recent report by the National Association of Insurance Commissioners, residents of the state of Florida are now paying an annual premium of approximately $2,000 a year for property insurance. That figure is more than double over the national average of just under $1,000 annually. Additionally, owners of Florida condominiums are paying just over $800 a year, while residents of other states pay half that price.

Despite the fact that the state of Florida has not seen a massive hurricane in almost 10 years, homeowners insurance rates in Florida are continuing to climb with no end in sight as approvals for rate increases are passed by state regulators year after year.

Obviously, all of that is the bad news. The good news, if there is any, is that there are some indications that rates could begin to stabilize or even come down in the near future.  While that does not offer any immediate relief to a family budget, it does provide a glimmer of hope that rates will decrease and homeowners will begin seeing some form of financial relief.

Insurance executives in the state of Florida argue that of the 10 most expensive national disasters in the history of the United States, five have occurred in or had an effect on Florida. Those catastrophes had a devastating effect not only on repair costs, but on reinsurance protection rates as well.
Despite that, Florida residents as well as consumer advocate agencies are pushing hard to get homeowners insurance rates in Florida in line with national averages. And it […]

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Florida Property Insurance

Be Prepared for Your Florida Property Insurance Purchase

Most homeowners have a requirement commonly referred to as Florida property insurance, but it can be a rather confusing process.  If you are trying to find the best rates possible for your unique situation, understanding the questions an agent will ask you is very important.  Understanding the most frequently asked questions will ensure that you are able to provide as much information as possible to get the right coverages, and the best rates.

Residence Type

Florida property insurance coverages vary greatly depending on the type of home you live in.  There are different coverage limits and policies depending on what type of residence you own, including:

  • Traditional Homes
  • Condos
  • Manufactured Homes
  • Rental Properties
  • Townhomes

Each of these residence types have specific requirements and types of policies, so make sure you have the correct information when you speak to an agent.

Age of the Home

The rates for individual property insurance vary depending on the age of the home.  Older homes typically cost more to insure than newer ones, with brand new homes being the least expensive of all.  If possible, make sure you can provide the exact year of when your home was built to insure you get the best possible rates.

Location

The amount of risk changes depending on the area in which you live, and this seriously affects the rates for property insurance.  Insurance agents will look at historical data to determine the crime rates, potential for severe weather, and the possibility of flooding in your area to come up with the best possible rates.  Understanding the history of your area will help you have a better understanding of the potential rates you may have to pay.

Building Materials

The materials used to […]

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Florida flood insurance

State Senate Bill May Provide Options For Florida Flood Insurance

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 flood insurance 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 Floridan 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 flood insurance. Most residents have to get flood insurance through the federally subsided flood insurance program. For a long time, that particular program was the only way that people in Florida could get some kind of flood insurance for their home.

 

With this bill passed, Florida residents can now look forward to having more options on the market than just the aforementioned program.

 

‘Major reforms’

 

Despite the new measure passing in Florida, the federally subsidized program that allowed people to register for flood insurance did undergo some recent changes, particularly in light of the major insurance reforms that have taken place over the past year.

 

Due to the reforms, it causes flood insurance policies available through the federal program to rise in price. The once affordable insurance premiums increased to higher rates, some of which were too high for homeowners to continue paying. Those rates especially rose in areas that are more flood-prone and even for older homes.

 

Since those changes happened, Congress later enacted a ‘stop-gap measure’ that helped delay some of the more expensive changes that occurred due to those reforms, also known as the Bigger-Waters […]

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Florida homeowners insurance comparison

Florida homeowner’s insurance comparison

Breaking down your Florida homeowners insurance comparison

Trying to find the best Florida homeowners insurance 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 figure out exactly how to create a perfect Florida homeowners insurance comparison, determining exactly which kinds of policies you should move forward with and which ones you should run away from just as quickly as you can.

This kind of information can save you hundreds and hundreds of dollars each, thousands of dollars each year – and all you have to do is apply the tips and tricks included below to get started.

Don’t focus just on price, focus on value

The first thing that you are going to want to focus on when looking at different Florida homeowners insurance comparison charts is not just the “price tag” associated with each of the different coverage plans available, but the actual value of that protection.

You see, there is a natural knee-jerk reaction to run from any price that seems to high when we aren’t fully informed of the value of that particular purchase. Sometimes, spending a bit more money on a homeowners insurance coverage plan that provides extra coverage that we believe we will need is less expensive in the long run than a cheap Florida homeowners insurance plan that doesn’t provide anywhere close to that level of protection.

What […]

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Best Home Insurance in Florida

Best Home Insurance in Florida

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 that came alarmingly close to the coastline and dozens of summer thunderstorms that sent the kids scurrying to your bed in the middle of the night.

There’s No Place like Home

You’ve travelled around the world, but there is something comforting about turning down your street – you strain your eyes to catch a glimpse of the corner of the house, sighing with relief when you turn into the driveway – there is just something about ‘coming home’.

You keep your house looking good – the lawn stays mowed, the gutters get cleaned out every season and every few years she gets a new coat of paint to keep her looking her best.  The most important thing you can do for your house, however, is to make sure that you’re armed with the best home insurance in Florida possible.

Finding a Plan

Finding the best home insurance in Florida means more than doing a late night search on the internet trying to find the least expensive plan available.  It means doing some research, talking to your friends and neighbors, calling a few agents for a quote and then comparing them.

There is no one size fits all plan for homeowners in Florida – rates can vary depending on where in the state you live, how close to a coastline you are, if you are in a flood zone…a variety of […]

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best Florida home insurances rates

What does the best Florida home insurance really cover?

The Best Florida Home Insurance Has The Coverage You Really Need

Even the best Florida home insurances rates are climbing yearly. Florida is subject to some of the most extreme weather in the nation, and when many homeowners make claims, it’s common for rates to rise in following years. If you’re trying to save money on your home insurance in Florida, shopping around for the lowest price isn’t the only way you can do it. If you understand the most common claims you’re likely to make on your insurance, you can tailor your policy to save money now, and keep from spending money out of pocket if you need to file a claim later, only to find that you’re underinsured.

Water Damage

As you might expect in a subtropical and tropical state like Florida, water damage is the most common claim made on homeowner insurance policies. Many homeowners incur big expenses when they skimp on water damage coverage, thinking that Flood Insurance will cover them in the event of any water damage. Flood Insurance, while useful, only pays for damage due to flooding when it’s part of a natural disaster. If your roof leaks badly in a rainstorm after a tree branch falls on it, or one of your plumbing pipes bursts and wrecks your home’s interior, only your homeowner insurance policy’s coverage will pay for the repairs. The best Florida home insurance policies should have high coverage limits for water damage.

Lightning Strikes

Florida’s climate makes heavy storms and lightning strikes very common. Florida residents are sometimes caught underinsured for damage caused by lightning strikes because they carry the wrong insurance to cover them. Because lightning strikes are so often associated with heavy rain, homeowners assume that either flood insurance or water damage riders on their policies […]

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Florida home insurance rates on the rise

Already The Nation’s Highest, Homeowners Insurance Florida Rates Continue To Grow

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 Up For Insurers

Florida insurers are enjoying profitable years as hurricane claims are way down recently, and that’s making state insurance regulators examine homeowners insurance Florida rates more carefully. Florida has a recently instituted a state-run homeowner’s insurance pool called Citizens Property Insurance as well as more traditional free-market policies offered by private insurers. Some observers expected Citizens Property to put downward pressure on rates, but in the latest year with available figures, adding Citizens data into the average added almost 25 percent to the premium average. This increase may be attributable to Citizens offering coverage to homeowners living in the riskiest properties for insurance, which would command even higher premiums in the private market, or might even be uninsurable. Citizens Property now accounts for almost 20 percent of the entire home insurance market in Florida.

 

It’s sometimes difficult to estimate the true cost of insurance by looking at state to state averages because of big variations in real estate value, potential hazards, including natural disasters, and economic conditions.

Homeowners Insurance Doesn’t Cover Flooding

In Florida, customers are less interested in comparisons […]

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The most expensive state for insurance

The Most Expensive State in the U.S

To many people, the sky-high home insurance rates in Florida come as a bit of a surprise. Many friends and family often confess to me that, they find it odd that such a sunny, cheerful state should be effected by such catastrophic home insurance rates. However, to many of us Floridians, crazy expensive homeowners policies have become the norm. However, how many of you knew that Florida actually boasts some of the highest home insurance rates in the entire federal republic of the U.S A? I bet that not many of you knew that. Well, now you do. However, if you happen to be lucky enough to live in the sunny state of Florida, you may want to know exactly what these high prices mean.

The Pinch

Ok, so it’s not just the homeowners of Florida who are being effected by the sky-rocketing home insurance rates in Florida. The State’s economy is beginning to feel the pinch. Due to the high prices which homeowners are required to pay, many homeowners budgets are beginning to strain a little. This means that, well, the state of Florida’s economy is not doing as well as other states. As many of you will know, the average premium for home insurance in Florida is around $1933, according to a report published by the National Association of Insurance Commissioners. This price is four times the price of a similar policy in Idaho, which is the cheapest state in terms of home insurance.

Above Average

In fact, the insurance in Florida is now twice the amount of the national average. A key factor in Florida’s growth as the sunshine state has been, until recently, its glowing reputation for low-cost living. However, this growth is being effected by the increasing insurance rates. People are leaving the state and many people, especially young people, are reluctant to move there due to fears that they will not be able to insure their homes. This means that, there are less people to work in our beautiful state and, anyone could tell you that, this is having […]

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Florida property insurance rates

The Staggering Cost of Florida Property Insurance Rates

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 rates 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 if they should consider the move.

Lack of Claims Does Not Matter

In the past couple of years, Florida homeowners have been pretty lucky as far as the lack of devastating hurricanes, but this has not stopped a steady increase in property insurance rates.  In the last year, state regulators saw rate increase requests climb by nearly 70%, forcing them to take a hard look at exactly why these rates are so high.

Considerations

When determining the cost of insurance rates in Florida, it is important to understand that there are a wide range of policies covering the state of Florida.  The means that when the rate averages are determined, areas of low crime and weather threats are lumped in along with those with considerably higher threat levels.  The result is a rather skewed view of the actual property insurance rates in areas that are not considered high risk.

How Rates are Determined

FL property insurance rates are determined by where the home is located, as well as the potential risk of the insurance companies having to pay a claim.  Considering the rapid growth of coastal areas, where there is obviously a high possibility […]

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property insurance in Florida

The Most Common Property Insurance Claims in Florida

It is no secret that there are many different problems that can lead to increases for property insurance in Florida.  Understanding the most common claims can help you choose the policy that best fits with your needs, so you do not have to worry about significant out of pocket costs later.

Water Damage

Water damage is one of the most often filed claims in Florida, but these damages do not include the costs associated with flooding.  Water damage policies cover sudden issues that result from damaged or broken pipes, or drain failures that result in plumbing backups.  In some Florida counties, these costs average well over $6,000 per claim.

Burglary or Theft

Stolen property due to theft or burglary often results in nearly $3,000 in claims, making it one of the most often filed losses.   Due to this, you should make sure that any property insurance you choose provides adequate coverages for this issue.

Wind Damage

Many areas in Florida are subjected to high winds.  These can occur in tornadoes, hurricanes, and cyclones, and the damages can be significant.  Wind related property insurance claims in Florida generally cost over $5,300 dollars or more, depending on the area in which you live.

Physical Damage

Physical damage can include a wide range of causes, but these damages are those that are not covered or listed under any other part of the property insurance policy.  These damages affect personal property, and typically result in more than $3,000 per claim.

Lightning

Heavy storms are the norm in many areas of Florida, resulting in numerous lightning claims.  These types of claims include any damages that are the result of an atmospheric electric discharge, including fire.  Most of these claims cost nearly $3,100 per claim.

Floods

Flooding […]

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Sunshine State Insurers

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 period of time have probably filed a claim or two.  They have learned if their homeowners’ insurance company makes good on claims, or gives you the run around.

Also ask them why they went with their current insurer over another one, what type of policy and riders they have, and why they have them.  Especially if you are new to Florida, you may not know every type of hazard you may face as a homeowner.  Is the area prone to flooding?  Do you need additional hurricane insurance?  Have there been issues with the sewers and do you need a rider for that?

Check Up on Them

Once you’ve got a list of insurers from people you know, and you’ve picked their brains clean of insurance related information, it’s time to do some digging on your own.  Check with the Better Business Bureau for complaints.  It’s a great place to see if there are complaints, what types of complaints there are, and who filed them.  A lot of customer complaints regarding claims?  Time to move on to the next one!

Put Them in the Hot Seat

When you’ve got your short list of potential homeowners insurance companies in Florida, pick up the phone and start calling the local agents that service your friends and neighbors.  They should have formed good, solid relationships […]

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Florida home insurance companies

Three things Florida home insurance companies don’t want you to know

While the overwhelming majority of Florida home insurance companies out there are on the “up and up” and run completely legitimate businesses, there are a number of less than ethical insurance companies looking to squeeze every penny out of anyone they can – with absolutely no worry or concern about what it does to you.

And even if there isn’t any malicious intent behind some of the actions that Florida home insurance companies take they might still be keeping you from saving all of the money that you otherwise would be, which is why you’ll want to pay close attention to all of the details included below.

While nowhere near the completed comprehensive list of everything that Florida home insurance companies may try to “hide” from you, here are just a couple of things that you’ll want to be aware of before you sign up for coverage with any of them!

You can always shop for a better deal

The first thing that you need to know is that you are always – ALWAYS – able to shop for a better deal whenever you are looking for Florida home insurance.

Even though you have signed an agreement with a particular insurance agency, you still have the right to investigate and research the rates available from other Florida home insurance companies (as well as the coverage that they provide) and make the decision to “jump ship” whenever you feel like it.

If you use this as a powerful bargaining tool at the negotiation table, you could end up with significant savings – and an endless source of significant savings, if you use it once a year or so – that can help you to protect your bank account and your property at the exact same time!

You might be available for significant discounts that are “hidden” […]

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Home Insurance Quote Tallahassee FL

Home Insurance Quote Tallahassee FL

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 depends on what is important to you or your mortgage company in an insurance policy.  Why your mortgage company?  For the same reason the bank that owns your loan has a say in the type of policy you need, to protect their assets.

When you’re in the process of purchasing a home, the mortgage company will give you a specific coverage level they require you to have.  If you’ve owned your home for a while and are looking to change companies, give the bank a call and ask what level of coverage you need.

Show You the Money

Once you know the policy you need, it’s time to get some quotes.  If you go to the website for the Florida Office of Insurance Regulation, you can narrow down the hundreds of property and casualty insurance companies by area.  That way, you’ll only be looking at the ones for Tallahassee and not the ones for, say, Miami.

Check with your friends and neighbors, too.  Some will have the same insurance company.  Make sure you really focus on asking in-depth questions so you can compare the answers about the same company.  If you get a lot of the same answers, whether good or bad, from different people about one company, you can pretty well trust it.

Choice Agent

Get the name of the local agent they use.  Again, some will be […]

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Homeowner Insurance Companies in Florida

Homeowner Insurance Companies in Florida

Narrowing the Insurance Field

According to a quick search on the Florida Office of Insurance Regulation, there are 875 property and casualty insurers in the state.  What does that mean?  That means a whole lot of homeowner insurance companies in Florida.

It also means a whole lot of digging through ratings, reviews, policies, riders, agencies, and complaints to get an idea of which one you want to rely on in your time of need.

That’s Policy

First things first, what do you need?  Do you just need a simple homeowner policy, or do you need special riders?  How close to the coast are you?  Are you in the direct path many hurricanes come through?  These are questions you need to ask and get answered before you even think of picking a company.

If you have a mortgage on your home, which many people do, your bank or mortgage company will more than likely have specific coverage levels you need to have.  This is a great starting point for deciding on a policy, or at least minimum coverage levels.

Budget Wisely

Second, look at your budget.  See how high of a monthly, quarterly, or annual premium you can afford.  Keep in mind, if you pay your premium annually, you may qualify for a discount.  Also, don’t be put off by a high deductible:  the higher the deductible, the lower the premium and the better the coverage.

Make sure though, when you are choosing a high deductible, you realize that one day, should the worst happen, you are responsible for paying that amount.  Your insurance company will pay the claim minus the deductible amount.  Start planning now for how you will pay that.  If the deductible isn’t high enough, you’ll be paying a high premium; if it’s too high, when you need your home fixed, you may not be able to afford it.

Word of Mouth

Third, talk to people.  Find out which of your neighbors use […]

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Live in Florida? Cover Your Assets!

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 myriad other things, natural and man-made that can damage your home, inside and out.  In other words, you need home insurance.

Home insurance companies in Florida run the gamut of good to abysmal, 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 face.

After all, whichever home insurer you choose will be helping you during your time of need.  And if you pick a substandard insurance company, you can expect substandard service and poor claim payouts.

So, how do you find the best home insurance in Florida?  Do your research!

Know Your Choices

First things first, you need to know how much insurance needed and how much it will cost, then you can buckle down and find out which insurer to go with.

YourFloridaInsuranceQuotes.com has a tool for consumers to see how much a particular plan could cost them.  Now, this is simply for illustrative purposes, but it’s a great jumping off point before you get a detailed quote.

Consult an Expert

Clark Howard, the nationally syndicated radio consumer expert, has compiled a list of the highest and lowest ranked home insurers in the country.  USAA leads the list, but it only offers home insurance in the state of Florida to active duty military service members stationed within the state.  But not to worry, he has a comprehensive list of which company is good, which is bad, and which is downright ugly!  (And they may not be who you expect!)

He also gives some great tips for lowering your premiums, adding extra riders to ensure the proper […]

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Companies writing homeowners insurance in Florida

Who Covers Your Hazards?

There are many companies writing homeowners insurance in Florida.  Some are for specific groups – such as USAA for military service members – and some are your standard national insurers – such as All State.  Not all of them are going to work for you.

In fact, as a Florida homeowner, you’re faced with the task of narrowing the field to one insurer to cover hazards to your home.  So which one do you pick?  Well, that depends on a lot of factors.

Not all insurance companies are the same.  That seems to go without saying, however, you’d be surprised how many people think of them as being the same dog with different fleas.

Size Matters

A good starting point for comparison is size.  Is bigger better?  Or do you want to go with a small, Florida insurer?

Smaller companies can give you that Mom and Pop feel many consumers really love.  However, smaller companies may not have the financial resources to pay out on big claims from a hurricane or other natural disaster.  Many are backed by large reinsurance companies – reinsurance is a fancy way of saying your insurer has insurance – but having an insurer go belly-up right after a major storm is not a pleasant thought.

Bigger companies may have lots of layers of red tape or hoops to jump through for claims, but let’s face it, they have the money to pay.  And that is, in the long run, what it’s about, getting money when you need it.

Who You Know and What They Know

The best way to get the Mom and Pop feel from a big company is to develop a relationship with your local agent.  He or she should have ties to the community and be someone you can get ahold of should you need them.  There’s nothing worse than not being able to reach your agent should the need arise.  Well, not getting the claim paid at all would be worse, but having to chase […]

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The Basics of Florida Home Insurance

If you own a home or are planning to purchase one, you need Florida home insurance. 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 going to risk that much money on a property that could go up in flames without a single dime behind it.

How to Determine the Amount Insured

There’s lots of different lingo surrounding Florida home insurance, so it’s important you know what you’re doing when trying to secure a policy. For example, you want to make sure you get insurance for the cost of replacing your home (i.e. the construction costs). What you don’t want is insurance for the real estate it’s built on. Also, do not factor in the amount your land is worth. This will needlessly drive up your premiums because you’re not trying to insure dirt and grass.

Other Considerations

But if something happens to your home, chances are it will happen to things within your home too, right? That’s why it’s important you get a home insurance policy that covers them as well.

For example, you want your belongings to be insured. This is often worth half of the amount of the dwelling. Structures around your house may also be insured like your garage, a fence, guest house or pool. There’s also such a thing as “loss of use.” This refers to other living expenses you might have to take on if your home is unlivable due to damages. So things like living out of a hotel and eating at restaurants would be reimbursed—usually […]

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Control Your Home Insurance Costs This Winter

Did you know? Home insurance costs are actually on the rise, what with increasing and/or stagnant mortgage rates and the prospect of having to protect homes in an increasingly deprecating market. Even the condition of a home’s location can affect its insurance rates, so homeowners who have experienced a changing ‘climate’ in their location may be subject to those ‘so-called’ home insurance rates.

 

Homes themselves can also affect how much a homeowner pays for a monthly home insurance premium. In a state like Florida, the weather can beat down on a home, changing its exterior to the point of it impacting its insurance policy. Even severe weather can change how an insurance company secures a policy against a home.

 

Due to parameters like these, it’s up to homeowners themselves to learn how to save money on their home insurance policy. As the seasons change, homeowners should always have options open for an insurance policy that’s both appropriate for their home’s needs and cost effective enough to prevent it from impeding their financial viability.

 

So, can you, as a homeowner, save enough money on a home insurance policy this fall and winter season? Believe it or not, it’s quite possible for any first time buyer to find an insurance policy that fits the needs of their home.

 

Home insurance – the facts

 

Florida is undoubtedly known for its rather extreme weather changes—thunderstorms and lightening, heavy rain showers, tornadoes and hurricanes. The weather, too, affects homes on the coast line just as they affect homes that reside inland. Thanks to this, homeowners without any type of insurance policy on their home is actually doing their home is a disservice for its overall viability.

 

Home insurance in Florida, according to recent statistics from a 2012 industry study, costs at least […]

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home insurance quotes

Safeguard Your Home With Home Insurance

If you already own a home, particularly in Florida, you’ve probably already worked hard to secure finances, take care of legalities and move your family into what’s essentially the home of your dreams. After all of that hard work, there’s nothing wrong with taking the time to enjoy your home as it is.

 

So, if you’ve already worked that hard to make sure that your home is the best it can be, it’s only natural to want to protect your home. Insurance is not just a necessity for your health and your vehicles, but for your home, too.

 

About home insurance

 

Florida home insurance, also known as FL homeowner insurance and even hazard’s insurance, is a type of property insurance that’s designed to cover a private residence.

 

This insurance policy provides various insurance protections that are inherently personal in nature, including losses that occur to your home, the contents of your home, the loss of the use of your home and/or the loss of other possessions that belong to you as a homeowner.

 

This type of insurance also covers liabilities in the form of liability insurance for homeowners, especially in the case of accidents occurring at your home or at your own hands in territories surrounding your home also covered by the policy.

 

Home insurance, across the United States, is also referred to as a multiple-line insurance policy. This is notable in the case of policies that include both property insurance and liability coverage with an indivisible premium, one that’s essentially a single paid premium that covers all potential risks. Most, if not all, basic home insurance policies are structured in this way.

 

The cost of these insurance policies are based on what it may cost to replace the home, in addition […]

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