If you already own a home, particularly in Florida, you’ve probably already put in the work to secure finances and take care of the legalities in order to settle into that house with your family. Your next step is to ensure that your home is protected for years to come. When it comes to owning a home, insurance is a must. 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 policy provides various insurance protections that are fundamentally personal […]

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 […]

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 […]

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 […]

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 […]

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 […]

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 […]

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 […]

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 […]

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 […]

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 your needs, so you do not have to worry about significant out-of-pocket costs later on. Water Damage Water damage is one of the most frequent filed claims in the state of Florida, but these claims do not include all 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 […]

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 […]