Southern Florida has the highest home insurance in the United States. It’s a given that residents wonder why coverage is so expensive. This is simply because Florida leads all other states when it comes to insured catastrophic risk. The higher the chance of risk, the more expensive your homeowners will be.
Why does South FL have higher homeowners insurance?
Higher South Florida homeowners insurance prices are due to the constant destruction caused by hurricanes, high winds, flooding, tornadoes, and other natural disasters. However, one of the main perils that Floridians face is hurricanes. Each year hurricanes cause massive amounts of damage in South Florida. In addition to hurricanes, Florida is also ranked sixth and seventh for wildfires and tornadoes. South Florida is also vulnerable to sinkholes and is known as the lightning belt. Florida’s lightning packs a higher charge than average, which increases the chance of damages. It’s scary once you realize just how many risks your home is exposed to!
Florida is currently paying out more for losses than any other state, just look at your expensive premiums as proof! South FL is full of too many risks. It is important that you select the right policy that can provide you with complete coverage. Luckily, we can help with that!
How to score a great South Florida Homeowners Policy
Just because home insurance in south FL is expensive doesn’t mean that you won’t be able to find a policy that fits your budget. In fact, FloridaInsuranceQuotes.net can easily help you out! We can help because we know all the specialist companies. These specialist companies can provide you with the least expensive stripped down insurance or high value policies that actually have enough coverage in the event there is a hurricane. Whether you are looking for a basic policy or the most complete coverage out there, we have the resources available to help you find what you’re looking for.
Once you are ready to purchase a South Florida homeowners policy, always consider how long the company has been in business. This is a crucial step because you will want a professional and responsive company in the event of a disaster. There are lots of newer home insurance companies out there that have never been through a hurricane yet. Once a hurricane hits, will this company be able to even get someone on the phone to file a claim? Is that really a risk you’re willing to take?
Finding the right South Florida home insurance quote can be difficult, especially at the right price. Let us help you score the perfect policy. We can provide you with policies from top companies that have years of experience dealing with natural disaster-related claims. Ready to get started? Click the gold “get a quote button” to begin.