Florida Family Insurance is a trusted insurance provider that offers a wide range of coverage options for families in Florida. Florida Family Insurance covers you whether you are looking for home, auto, or life insurance. With their commitment to excellent customer service and competitive rates, obtaining quotes in Florida from Florida Family has never been easier.
Customers will find Florida Family Insurance in Suite 100, 27599 Riverview Center Boulevard in Bonita Springs, FL. It has several offices across the state. The insurer has an A+ rating from the Better Business Bureau. It primarily offers Florida homeowners insurance. It also provides flood insurance from hurricanes in Florida and policies for condos and rental properties. The toll-free number of the company is 1-(888)-850-4663. Its mailing address is P.O. Box 136001, Bonita Springs, FL 34136-6001. Furthermore, it has a second corporate office in Suite 300, 12574 Flagler Center Boulevard in Jacksonville, FL 32258.
History Of Florida Family Insurance
Florida Family Insurance was founded after Hurricane Andrew, which caused tremendous devastation. The category five hurricane ripped through most parts of the state on the 24th of August in 1992. Southern Florida endured catastrophic damage. There was an unprecedented number of claims following the natural disaster. Many insurance companies could not survive the fallout. Most of them stopped operating in the state. The insurance industry has not been the same ever since.
Back then, an insurance executive named Rick Hardy realized Florida required a different approach. The standard policies around the country were irrelevant in a regularly battered state by natural disasters. Hurricanes and floods have always been the most common vulnerability for residents in Florida. No property type was an exception. So Rick Hardy developed a concept to provide stable and comprehensive insurance policies to state residents while protecting the insurer. This principle led to the founding of Florida Family Insurance. The company has been serving citizens of the state for nearly three decades. It has an average rating of more than five out of five. This rating is primarily due to the ease and promptness with which it settles insured claims.
What Sets Florida Family Apart from Its Competitors?
Florida Family is known for its customer service, financial foundation, and customizable policies. The insurer has an A- rating for its financial strength from A.M. Best Company. An A- implies that the economic foundation is excellent. Very few insurance companies in the state have such a distinct rating. The insurer has two corporate offices but has adjusters based throughout the state. It is a local company and is thoroughly familiar with the pressing challenges. The company comprehensively understands the state’s insurance industry, has sound reinsurance and is always conservatively invested.
The insurer has an A Prime rating from Demotech. It is well-regarded and rated for its meticulously calibrated approach. The company is just as efficient at settling claims as it offers the correct type of policy to the insured. Sufficient reinsurance ensures that Florida Family Insurance will protect those certified by them, and the coverage will be available when needed. Sound reinsurance enables the insurer to provide comprehensive coverage against storms, hurricanes, winds, and floods. The insurer is appropriately capitalized and diversified. Its conservative investments are another protective measure to avoid excessive exposure to risks.
Products Of Florida Family Insurance
There are four distinct types of insurance policies. The most commonly opted-for policy is homeowners insurance. The insurer has specific guidelines for primary residences, seasonal homes, and second or subsequent properties. In addition, there are policies for owners of rental properties. The policies have standard coverage. There is optional coverage as well. Owners have the liberty to choose, and the approach is customized accordingly.
Standard coverage for homeowners insurance in Florida includes damage caused by theft, lightning, windstorms, and fire. The policy covers the primary building, house, and other structures. Personal property or valuables are protected. Most policies offer living expenses if the house is damaged extensively and needs repairs, during which a family needs temporary accommodation. In addition, policies cover personal liability and medical payments.
Optional coverage for homeowners insurance in Florida is available. It typically includes replacement costs for different types of valuable content. In addition, there is a more comprehensive option for coverage for specific high-value items that they otherwise exempt in typical policies. Optional coverage includes water backup, overflow, and more. Any homeowner can discuss their particular needs to choose a suitable policy.
Discounts Are Available
The insurer offers multiple discounts based on different criteria. New homes recently constructed qualify for a discount on the annual premium. This deal is primarily due to adherence to the latest building codes. In addition, there are discounts for retirees or elderly citizens for properties with superior construction, are located in a secure community, have fire and burglar alarms, or have a higher effectiveness grade per the current building code. Homes with protection against lightning surges, wind mitigation, hip roof, and fire sprinklers qualify for a discount. Other deductibles can reduce the annual cost of homeowners insurance.
Various Coverage Options
Optional coverage is also available for various insurance policies. Moreover, insurance for rental property owners and condominiums. In addition, anyone seeking coverage for only flood damage. Furthermore, the company has master condominium associations. For example, residential complexes with multiple buildings can opt for collective coverage. Property management companies can choose such cooperative insurance policies.
There are policies for condos that owners rent to other tenants. There are annual policies for perennial residences. Terms vary from weekly, monthly, quarterly, and biannual coverage. Anyone can opt for customized insurance for their property. Then, choose the scope of coverage as per their needs. However, a standalone flood insurance policy provides coverage for damages explicitly caused by flooding. They will cover it if a storm, rain, or hurricane causes it. NFIP, or the National Flood Insurance Program, backs such insurance coverage. In addition, FEMA or the Federal Emergency Management Agency administers it.
Florida Family Insurance: Get Quotes for Your Florida Coverage
Having the right insurance coverage is essential when protecting your family and assets. Florida Family Insurance understands the unique needs of Florida residents and has tailored their coverage options to meet those needs. Whether you own a home in Miami, a car in Orlando, or are looking to secure your family’s financial future with life insurance, Florida Family Insurance can provide you with the proper coverage.
Click “Get A Quote” or call us to obtain Florida Family quotes. Our user-friendly website lets you quickly enter your information and receive a personalized quote within minutes. Our experienced team at Florida Insurance Quotes is also available to assist you over the phone and answer any questions. We understand that every family’s insurance needs differ and will work with you to find the coverage that best fits your budget and requirements.
Compare and Save: Obtain Quotes for Your Florida Coverage
One of the significant advantages of choosing Florida Family Insurance from Florida Insurance Quotes is the ability to compare quotes to save money. By obtaining quotes from multiple insurance providers, you can ensure you get the best coverage at the most competitive price. Florida Insurance Quotes understands the importance of finding affordable insurance options without sacrificing quality. Our team will help you compare quotes from different carriers, making it easier to decide about your Florida coverage.
Don’t settle for anything less than the best when protecting your family and assets. With Florida Insurance Quotes, you can obtain quotes for your Florida coverage quickly and easily. Our commitment to exceptional customer service and competitive rates sets us apart from other insurance providers. Get a quote today to see how we can help you protect what matters most.
Florida Family Insurance from Florida Insurance Quotes is here to help Florida residents protect their property. Whether you are looking for home, auto, or life insurance, we have various options that we can customize to fit your requirements. By obtaining quotes for your Florida coverage, you can ensure you get the best coverage at the most competitive price. Contact us today and take the first step towards protecting your family and assets.