Florida Specialty Insurance Company is a leading insurance provider in Florida, offering a wide range of insurance products tailored to meet the unique needs of residents in the Sunshine State. Florida Specialty Insurance Company is a trusted choice for many individuals and businesses in Florida, with a solid commitment to customer satisfaction and a reputation for providing reliable coverage. This article will give an overview of the company and explain how to access quotes for their insurance products.
History Of Florida Specialty Insurance
They founded Florida Specialty Insurance Company in 1997. It is one of the leading insurance companies in the state. The insurer has an A rating for financial stability from Demotech. The company provides many insurance policies not limited to owner-occupied homes, condos, and rental properties. Florida Specialty Insurance is now also the insurer for all policyholders of Mount Beacon.
The company has offered various insurance policies for over two decades. It is known for its reliable customer service and commitment to honoring claims. They rightly referred to it as a partner for life. The insurer has agents all across the state of Florida. Registered as Florida Specialty Holdings, Inc., the insurer has recently acquired Safeway Property. With its acquisitions over the years, the insurer has written around thirty million dollars worth of homeowners insurance products covering HO-3 and HO-6 and manufactured homes. It has a ratio of gross written premium vis-à-vis surplus pegged at 1.15:1.
Contact Florida Specialty Insurance
The insurance company has a customer service department working twenty-four hours a day, seven days a week, without any exceptions throughout the year. The customer service department has claims adjusters and other personnel. The contact number of the insurer is (866) 554-5896. Those insured can write to email@example.com. There is a different department for flood program claims. The phone number of this department is (800) 725-9472. Those insured under such policies can write to firstname.lastname@example.org.
Products Of Florida Specialty Insurance
They categorize insurance products for:
- Florida Homeowners Insurance
- Florida Condominiums Insurance
- Florida Renters Insurance
- Florida Manufactured Home Insurance
- Identity Theft
- Equipment Breakdown
- Property Replacement
- Flood Protection
- Golf Cart Insurance
- Florida MOptionale Insurance
- Optional coverage
Florida Home Insurance
Florida homeowners insurance is the most popular product of the insurer. It has HO-3 policies to address the distinct needs of homeowners in the state of Florida. This type of policy is relevant for townhouses or single-family dwellings. The coverage usually includes housing and personal property. In addition, there is coverage for additional living expenses. Suppose a house is damaged and needs repairing. In that case, this rider is necessary when a family might have to seek temporary accommodation. This type of policy also provides coverage for personal liability and medical payments.
Florida Condo Insurance
Owners of a condominium can explore policies that meet their unique needs. Such policies typically cover the condominium as a unit, personal property, betterments, guest medical payments, and liability. The scope of coverage and other relevant terms shall be influenced or determined based on how long a resident occupies the property in a year. Those occupied throughout the year have different terms from the condominiums used seasonally or as a second home. Homeowners and condominium insurance can have optional coverage, including personal belongings and valuables. These include electronics, jewelry, appliances, money or cash, securities, computers, and other valuable items. In addition, you can expand the coverage to include protection against identity theft.
The scope of optional coverage is vast. Furthermore, those who need to protect expensive equipment and other personal properties will quickly find relevant policies from Florida Specialty. You can customize policies based on the property type, lifestyle, affordability, and other relevant factors. There are provisions for coverage for physical damage and liability for golf carts, unique installations for hurricanes, and dog liability. The insurer has discounts applicable on premiums if buildings are more secure if you install protective devices. However, the construction must adhere to the latest building code. Agents representing the insurance company can conduct an inspection and suggest the best policy or recommend changes to make a house; hence, the insurer is eligible for discounts on premiums.
Florida Rental Insurance
Florida rental property insurance from Florida Specialty has a dwelling fire program. This insurance provides comprehensive coverage for rental properties, including condominiums. The dwelling fire program offers a policy against loss of personal property or damage caused to the dwelling by fire. In addition, there is fair rental value, protection against certain liabilities, and coverage for additional living expenses. This type of policy is often known as landlord or rental property insurance. The procedure is a dwelling fire program. It provides coverage or protection in cases of named perils. The named perils are lightning, windstorms, and fire. Such a policy can compensate for the loss of rental income for landlords or property owners.
A plethora of enhancements, thus providing more options for those seeking additional coverage or protection against specific perils. The type of coverage varies depending on the dwelling, the scope of terms of the policy, and the threshold for every kind of liability. For example, more inclusive policies can cover equipment breakdown, perhaps due to rot or weather conditions. Manufactured home insurance in Florida covers the dwelling, carports, attachments, and other rooms. Moreover, it includes personal liability coverage, protection against loss of valuables unless exempted, and compensation for medical expenses.
Expanded Options for Homeowners
As with other homeowners insurance policies from different insurers, expanded coverage is often considered optional. However, it can include every item the homeowner declares. An expanded insurance policy can protect the value of jewelry, central installations, and other expensive items in a house, condo, or rental property. These protected valuables can be damaged, or there can be a complete loss. The scope of the coverage shall determine the extent to which the insured can recoup the loss. They can also cover identity theft and other risks with a relevant policy.
Florida Specialty Holdings, Inc. has some of the most comprehensive policies with more than adequate coverage for residents in the state. There are agents and partners based throughout Florida. The insurer offers free quotes. The online interface provides all the provisions to report any problem, whether about a policy or the first notification leading to a claim. The insurer lucidly explains the claims process. The claims adjusters are only a phone call or email away.
Overview of Florida Specialty Insurance Company
Florida Specialty Insurance Company has been serving the insurance needs of Floridians since its establishment. With a focus on providing specialized coverage options, the company offers insurance products in various areas, including homeowners insurance, flood insurance, automobile insurance, and commercial insurance. Florida Specialty Insurance Company takes pride in providing comprehensive coverage designed to protect against the unique risks Florida residents face, such as hurricanes, flooding, and other weather-related events.
The company’s commitment to customer satisfaction is evident in its exceptional customer service and prompt claims processing. Florida Specialty Insurance Company understands the importance of providing peace of mind to their policyholders, so they strive to deliver efficient and reliable coverage that meets their client’s needs. With a team of knowledgeable insurance professionals, the company ensures that its customers receive personalized assistance and guidance throughout the insurance process.
How to Access Quotes for Florida Specialty Insurance in Florida
Accessing quotes for Florida Specialty Insurance Company is a straightforward process. It can be done conveniently online or by contacting their dedicated customer service team. To obtain an insurance quote, visit Florida Insurance Quotes and navigate to the “Get a Quote” section. Here, you will be required to provide information about the type of insurance you seek—for example, your location, property details, or vehicle specifications. Once you have submitted the necessary information, Florida Specialty Insurance Company will provide a customized quote. Moreover, they will base it on your specific requirements.
Alternatively, you can contact Florida Specialty Insurance Company directly if you prefer more personalized assistance or have any questions. Their friendly and knowledgeable customer service representatives will happily guide you. Then, they will provide a quote tailored to your needs. By speaking with an agent, you can ensure that you receive accurate information. In addition, they can address any concerns or queries promptly.
Florida Specialty Insurance Company is a reliable insurance provider in Florida. They offer specialized coverage options and exceptional customer service. Whether you require Florida homeowners insurance, Florida flood insurance, Florida automobile insurance, or Florida commercial insurance, accessing quotes from Florida Specialty Insurance Company is straightforward. Contact us to obtain a personalized quote that meets your insurance needs. With its commitment to customer satisfaction and comprehensive coverage options, Florida Specialty Insurance Company is a trusted choice for insurance in Florida.