Home Owners Insurance

For Florida Homeowners, insurance protection is an important aspect of homeownership. Buying home insurance means buying protecting both you and your home.

Whether you currently own a home or are a prospective buyer, you can get a Free Florida Homeowners Insurance quote today.

Call us Today 954.639.7344 or complete our online quote request form.

 

Our Agents at Florida Insurance Plus will help you find affordable Florida Homeowners Insurance to protect one of your most valuable assets.

Homeowners Policy Coverages

Florida Homeowners Insurance policy is designed to cover the structure of your home, and includes protection for various kinds of Personal Property as well as Liability coverage.

Want to know more? Give us a call at 954.639.7344 to speak to a local agent.

Discounts and Special Programs

There are many discounts are available on Florida Homeowners Insurance policies. For example, you may qualify for a discount if your home has an updated roof, a monitored alarm system, hurricane shutters or impact windows in Florida.

Payment Options

In many instances your Florida Homeowners Insurance policy can be escrowed in with your mortgage. However, if you need to pay separately, many carriers now offer several convenient payment options.

Home Insurance Coverage — What Is Covered

Standard home insurance coverage policies provide the following types of coverage, up to the limits outlined in the policies:

•Dwelling — Pays for damage or destruction to your house and any unattached structures and buildings. Examples include fences, attached garage, or patio cover.

•Personal Property — Covers the contents of your house, including furniture, clothing and appliances, if they are stolen, damaged, or destroyed.

•Liability — Protects you against financial loss if you are sued and found legally responsible for someone else’s injury or property damage.

•Medical Payments — Covers medical bills for person(s) injured on your property.

•Loss of Use — Pays for additional living expenses if your home is uninhabitable due to a covered loss. Most standard Florida Homeowners Insurance policies pay 10% to 20% of the amount of your Dwelling coverage.

 Does my policy cover floods?

The fact is that homeowner insurance does not cover damage caused by flood, and federal disaster assistance is only offered when the president declares a major disaster (which only happens in 50% of flooding situations).  

Unfortunately, most people do not find this out until it is too late. However, flood insurance is available to protect homes and businesses and their contents in communities that participate in the National Flood Insurance Program.  

Does my policy cover hurricane damage?

Yes, your homeowner’s insurance policy will cover damages cause by windstorms. The deductible for hurricane damage can range from 2% to 10% of the insured value of the dwelling depending on the policy.  

NOTE: Hurricane damage is normally covered, but may be rejected in certain situations.

What does the hurricane deductible mean?

This is the amount that you, the policyholder, will have to pay out of pocket. For example, if your home is insured for $250,000 with a 2% wind deductible and has hurricane damages of $50,000.

The amount of the deductible will be 2% X $250,000 = 5,000.

The remaining amount ($45,000) would be paid by the insurance policy. What factors can affect Florida Homeowners Insurance premiums?

Home Features and Characteristics — The age of your home, type of structure, wiring, roof, garage, etc., can affect your Florida Homeowners Insurance premium. Older homes can often cost more to insure, and those costs can differ depending on whether your home is brick, frame, stone or has synthetic siding.

Location — Where your home is located can change your Florida Homeowners Insurance premium. For example, your home insurance rate can be affected if your home is in close to a fire station; is exposed to extreme weather, such as hurricanes, tornadoes or earthquakes; or is in a neighborhood more prone to theft.

Protective Devices — Burglar alarm systems, smoke detectors, fire extinguishers, sprinkler systems and deadbolt locks can lower your Florida Homeowners Insurance premium.

Personal Factors — What you do can affect your Florida Homeowners Insurance premium, too. For instance, smokers may pay more for home insurance than nonsmokers. A good credit history also can lower what you pay for home insurance.

Claims History — If you have a history of claims on a Florida Homeowners Insurance policy, you may pay a higher premium.

 Simply call 954.639.7344 or complete our online quote request form. A Florida insurance Plus Agent will help you find the best deal for you.

 CALL US NOW 954.639.7344

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