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Understand Florida Property Insurance Before Getting A Quote Online.

Most homeowners have a Florida property insurance requirement, but it can be somewhat confusing. Understanding an agent’s questions is crucial to finding quotes for any unique situation. Understanding the most frequently asked questions will ensure they provide as much information as possible to get the right coverages and quotes.

Residence Type

Florida property insurance coverages vary greatly depending on the type of home. Different coverage limits and policies depend on what kind of residence they own, including:

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

Each residence type has specific requirements and policies, so ensure shoppers have the correct information when speaking to an agent.

Age Of The Home

Quotes 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. If possible, they provided the same year contractors built a house to guarantee they get great quotes.


The number of risks changes depending on the area, which seriously affects the quotes for property insurance. Insurance agents will look at historical data to determine the amount of crime, the potential for severe weather, and the possibility of flooding in the area to come up with the best possible quotes. Understanding the history of a region will help better understand the possible prices they may have to pay.

Building Materials

The materials used to build a home also influence property insurance in Florida. For example, wooden houses are more susceptible to fire and wind damage, while brick homes can withstand these issues better. Owning a brick home can significantly lower property insurance due to the added strength and stability.

Historical Status

Suppose the home they are trying to insure has been granted historical or landmark status through a Historical Society. In that case, it will affect Florida insurance quotes and the type of policy needed. In addition, if Florida lists the home on the National Register of Historic Places, ensure they have this information available when meeting with an agent.

Fire Protection

If the home is within five miles of a fire station or 1,000 feet of a fire hydrant, they could see savings on property insurance. Take the time to see exactly how far away from these locations are to provide this information to the agent.

Recent Claims

Suppose shoppers have had recent claims or property insurance losses (typically within the last five years). When speaking to a Florida property insurance agent, they must provide this information.

Many different problems can lead to increases in property insurance in Florida. Understanding the most common claims can help customers choose the policy that best fits their needs. As a result, they do not have to worry about high out-of-pocket costs later.

Water Damage

Water damage is one of the most frequently filed claims in Florida. However, 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 average well over $6,000 per claim.

Burglary Or Theft

Stolen property due to theft or burglary often results in nearly $3,000 of claims, making it another of the most frequently filed losses.   For this reason, they should ensure that any property insurance they choose provides adequate coverage for this issue.

Wind Damage

Many areas in Florida see high winds regularly. These can occur in tornadoes, hurricanes, cyclones, and significant damages. As a result, wind-related property insurance claims in Florida generally cost over $5,300 or more, depending on the area in which they live.

Physical Damage

Physical damage can include many causes, but these damages are not covered or listed under any other part of the Florida property insurance policy. These damages affect the personal property, costing more than $3,000 per claim.


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


Flooding is common in Florida, especially when they live near the coast, making this one of the most common claims. However, it is also one of the most expensive claims. As a result, the average claim is over $13,000. Furthermore, the home may be a total loss.

Understanding the most common claims for property insurance in Florida can help with comparisons and help make the best choice possible for coverage. Shoppers want to ensure that insurance protects the home in case of one of these common claims. Therefore, take the time to read over the policy options carefully. Property insurance companies vary widely in costs. However, companies include different coverages in the policy.

Carriers do not include flood insurance in most property insurance policies. Therefore, Florida Insurance Quotes must add it to a new contract. Make sure to include these coverages in the comparisons to adjust for these additional premiums when purchasing homeowners’ insurance.

As with any new purchase, knowledge is vital in getting the best coverage at the best price.

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