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Florida Home Insurance

Florida home insurance provides property damage protection for your home. With most basic policies damages caused by fire, smoke, hail, wind, falling objects, theft, vandalism, vehicles, a sudden cracking, and overflowing steam from air conditioners and water heaters are covered. With more deluxe policies, a homeowner would have added liability protection guarding them against lawsuits from accidents and injuries sustained on their property.

The majority of companies offer Hurricane insurance in addition to existing policies. This type of policy can protect against strong storms and secure your investment.

Florida Home Insurance Rates

In relation to other states, Florida home insurance premiums are rather high. For instance, many Palm Beach homeowners could place their home in Wisconsin and pay a third of what they currently do. Obviously, this option cannot be a reality, so residents must find ways to reduce their costs.

Insurance Reduction

Many have found that reducing their insurance can be difficult, but a worthwhile project. Florida home insurance can be reduced by increasing the deductible. Another way would be to purchase the policy from your car insurance provider. Many insurance companies offer a discount when buying more than one policy through them. Of course, homeowners should be aware that they only need insurance for the worth of their property, not for the land. The land can withstand fire, falling objects, and the like, but of course the home cannot. By doing a little footwork, a significant reduction in annual fees can be found.

For a Reliable & Reputable quote, contact one of our preferred Insurance Specialists.

Wind Mitigation Inspection

Windstorm Insurance rates are reduced substantially with a Wind Mitigation Inspection. A wind mitigation inspection verifies construction methods that create wind mitigation discounts based on those methods providing greater protection from wind damage. The inspection usually takes less than an hour and the savings is usually in the form of a check direct from your insurance company within 3-6 weeks.

Florida law statute 627.0629 requires insurance companies to give home owners unprecedented discounts on the wind and hurricane portion of their policy.

  1. If your roof meets 2001 Florida Building Code (FBC) Compliance or 1994 South Florida Building code get up to 45% discount of your wind insurance
  2. Roof deck attachment method gets up to 5% discount.
  3. Roof covering material Type gets up to 5% discount.
  4. Roof to wall connection method gets up to 18% discount
  5. Roof shape gets up to 23% discount
  6. Opening protection system gets up to 5% discount

For further information please contact our preferred Insurance Specialist.

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