Florida Homeowners Insurance Quotes

Florida is a very popular state in the US to live in. However, before you purchase a house there you must know that every state has its own regulations and every locality has its requirements when it comes to buying a Florida homeowners insurance policy.

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A basic Florida homeowner’s insurance policy covers damage to property against theft, riots, fire, smoke, windstorm, explosion, volcanic eruption and hail. The basic policy covers only the house and not personal property. It does not pay for damages to personal belongings inside the house such as electrical appliances and furniture. The basic policy doesn’t even cover several hazards such as hurricanes and landslides. For coverage against these natural disasters and for your personal property, you should opt for a comprehensive policy.

The comprehensive homeowner’s policy provides homeowner’s in Florida liability insurance that covers personal injury on your property because of an accident. You and your family are protected against law suits irrespective of whose fault it is in causing the accident.

When you are looking for a homeowner’s insurance in Florida, you should keep certain important things in mind. As a resident of Florida, you should insure your home against hurricanes. The policy should cover almost all the articles in your home.

While talking to your insurance agent, you must discuss these things:

1. Extended Replacement Cost Coverage: This coverage covers the cost of labor and material required to rebuild homes after a natural catastrophe such as a hurricane. You will have to shell out the money from your pocket above the policy limit.

2. Hurricane Deductibles: About 70% of Florida residents have a 2% deductible on their hurricane coverage. Understand cheap homeowners insurance in Florida.

3. Flood coverage: The basic homeowner’s insurance policy does not cover damage caused due to flood or storm surge as a result of hurricane. You can buy coverage for this through the National Flood Insurance Program of the Federal Government.

If you are the owner of a condominium in Florida, you should also look out for different things in your homeowner’s insurance policy. Typically, a condo association policy covers the common areas of the home and the external structure.

You should be very careful about buying a homeowner’s insurance because even though you don’t want to pay too much you don’t want to pay so little that the insurance doesn’t cover the necessary things. The exact location of your home in Florida will also influence the type of homeowner’s policy you buy. Make sure that you have the right information before you start looking for a homeowner’s insurance in Florida.

ABOUT PREMIER HOMEOWNERS INSURANCE

Premier Homeowners Insurance is a risk advisory firm that specializes in affordable Florida insurance products.  Get quotes, compare plans, and apply online through our easy to use Web Portal.  Premier is rated the #1 place to shop for homeowners insurance in Florida online.  Call Laurin Agnew today for a FREE quote at 800-554-9142!