Florida Homeowners Insurance

Unlike up north or in the midwest, homeowner’s insurance is not an option if you live in Florida. Not that it should ever be! However, in tropical storm and hurricane-prone Florida is vital. If you have a mortgage on your house, it is not an option, and trust me when I say you are much better off getting a policy written by a South Florida homeowner’s insurance specialist like QUOTE MY INS than having the bank impose coverage on their own. With that said, there are a lot of issues and confusion with purchasing Florida homeowner’s insurance.

Because the term homeowner’s insurance is so broad, and most consumers are not familiar with the insurance industry jargon, including all the ins and outs of coverage amounts, deductibles, and exemptions. It is always best to deal with an insurance concierge insurance agent rather than buying Florida homeowner’s insurance online. The best Florida homeowners insurance is one that covers your home, other structures, and belongings for significant risks, such as a hurricane, sinkhole, and flood damage. If you want to experience peace of mind firsthand, contact our homeowner’s insurance agents. We live in South Florida. We know the coverage Floridians need and will work with the more than 50 underwriters we represent to get you the best content for your budget!

While the Florida Insurance regulation bodies report that the average annual home insurance premium in Florida is about $1,353 or just slightly more than the national average rate, those numbers are somewhat misleading. If you live in the Florida Keys, the cost of your homeowner’s insurance will be substantially higher. The opposite is the case if you live inland or in a low-risk flood zone. You also need to keep in mind that the value of your home and its age can impact your rates as well!

When it is all said and done, the best way to save on Florida homeowner’s insurance is to have a concierge insurance agent work with you and optimize each line item covered under the policy. At QUOTE MY INSURANCE, this is of no additional cost to you! In fact, our data shows that more often than not, we can provide Florida residents a substantial saving on their homeowner’s insurance.

If you are ready to start saving while getting the appropriate coverage on your homeowner’s, flood, and storm damage insurance, contact our team of Florida homeowners insurance agents. With just a few data points, we’ll go to the open insurance market and seek the best policy for your property, your location, your budget.