FL homeowner insurance

6 Tips for Safeguarding Your Home This Holiday Season

The holiday season should be a time of joy and jubilation, but it also brings along plenty of stress for most people. Traveling to see your family leaves you at risk for burglary, while hosting your guests can damage your home or leave you liable for an accident. Protect your home and family while enjoying the holiday season with these six tips.

From Burglars and Vandals

  • Don’t post about your plans to get away, or even spend the day shopping for gifts, on your social media accounts. You’d be shocked at what burglars and other criminals can find out about you and use against you to plan a crime. Stick to sharing those great home insurance quotes you found and turn off any automatic geo-tagging services your social platforms may use.

  • Avoid running power cords for holiday lights and outdoor decorations through windows and doors. These cords leave the window or door open just a bit, creating a gap for criminals to wedge their way in.

  • Keep up an affordable renters insurance plan or make sure your homeowner’s insurance is up to date. You definitely want a full replacement of your belongings if you’re a victim of a burglary during the holidays.

From Fire

  • Check your tree’s water level at least twice a day, every day. A live tree can run out of water within a matter of hours and dry out to the point where even small holiday lights can start a serious house fire. Stick with faux trees if you plan to be away for more than a few days and don’t have someone to water the tree.

  • Swap the traditional candles for battery powered ones. At the very least, make sure all candles are kept at least 6 feet away from flammable materials like wreaths and curtains, and avoid large candles with multiple wicks since they can pull up too much wax and start burning out of control. A supplemental fire insurance plan doesn’t hurt, either.

From Accidents

  • If you host a party and serve alcohol or even allow guests to bring their own, don’t let them drive while inebriated. Even though almost all homeowner’s policies include some amount of general liability insurance, you can still be held responsible for a drunk driver’s accident.

Compare Home Insurance Quotes

  • Make Sure that Your Home is Insured for at Least 100% of its Estimated Replacement Cost. To determine your amount of homeowners insurance coverage: Get an estimate of the replacement cost of your home. Select the home insurance coverage amount that best fits your needs.

Click the button below to get a free replacement cost estimate along with your homeowners insurance quote. It’s quick, free and easy!


7 QUESTIONS TO ASK WHEN BUYING HOME INSURANCE IN FLORIDA

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When it comes to finding the right home insurance company for your needs, there are several factors to take into consideration before you make a final decision. Here are seven important questions to ask yourself when selecting your next home insurance company.

1. What is my home’s value?

Before you begin researching home insurance companies, you need to determine the value of your home. Online appraisal tools are useful for estimating home values, but they are not 100% accurate. For a precise calculation, you may contact a certified appraiser to evaluate your home’s value OR get a Free Reconstruction Value Report with your Online Quote from Insurance Quotes In Florida.

Your insurance coverage should be large enough to cover the cost of rebuilding your home if it’s destroyed. Some Florida home insurance companies offer flexible insurance options to meet a variety of your home ownership needs, with different policy options designed to fit a range of budgetary and protection needs.

Get your Free Reconstruction Estimate report along with your Quote Today!

2. What is the value of the assets in my home?

How much is the “stuff” in your home worth? The best way to record the value of your assets is to conduct a home inventory. This step will also help you identify any valuables that require additional coverage or equipment that could impact your coverage.

If you’re not sure whether or not you need additional coverage, you can get free access to a licensed agent to answer all your questions through Insurance Quotes In Florida Online Quote Tool.

Get All Your Questions Answered by a Licensed Agent Now!

3. Am I paying for coverage I don’t need?

When was the last time you reviewed your homeowner’s insurance policy? If you have made improvements to your home, built new structures on your property or completed any other major renovations, then the value of your home may have changed.

If you are in this situation, you will want to either increase coverage under your current policy or shop around for a new policy with coverage that meets your needs.

When you Compare Quotes through Insurance Quotes In Florida, you also get a free analysis of your prior policy coverage by a licensed agent to make sure you get the right amount of coverage.

Get Free Analysis of Your Home Insurance Policy with your Quote Today!

4. How available is my insurance company if I have questions?

Providing quality service is not only about responding when disaster strikes. It’s equally important that your insurance company is there for you whenever you need them, no matter how big or small the problem.

Is it easy to get in touch with a customer service representative? Is your insurance company active on social media? If so, how quickly do they respond to your questions? These are all important indicators of how available your insurance company is when it comes to answering policyholders’ questions.

Check your insurance company’s Better Business Bureau (BBB) rating – which provides customers with a simple and straightforward rating based on a company’s adherence to the BBB’s Standards for Trust, a comprehensive set of best practices for how businesses should treat the public in a fair and honest manner.

At Insurance Quotes In Florida, we always pick up the phone during work hours. Text, email or call us any time to speak to a licensed agent.

CALL OR TEXT NOW 1-877-408-9497

5. How quickly will they respond if I have a claim?

When disaster strikes, time is of the essence. Can your insurance company provide rapid recovery after a loss? Do they have the resources available to make emergency repairs and restore policyholders to pre-loss condition 24/7?

From simplified claims and priority repair service to quality workmanship and materials, you should be able to count on your insurance company to save you time, hassle and money in the event of a loss.

Get All Your Questions Answered by a Licensed Agent Now!

6. What will my insurance company do after a hurricane?

Is your home insurance company prepared if a hurricane hits Florida? After a major storm, a shortage of available construction materials can stifle the recovery process, resulting in price surges and leaving homeowners stranded.

Make sure your insurance company has the physical and fiscal resources ready to respond to extensive loss and help restore a sense of normalcy and peace of mind. They should invest in preparedness by stocking millions of dollars worth of quality recovery supplies, including plywood, tarps, tools, generators and other items that are in demand after a storm.

Get All Your Questions Answered by a Licensed Agent Now!

7. How financially stable is my insurance provider?

You deserve peace of mind knowing that your home insurance company is financially stable enough to protect your home and belongings when a widespread disaster strikes.

Review your insurance company’s Demotech rating – which measures an insurer’s financial performance and its ability to pay claims. Only consider Florida insurance companies with a Financial Stability Rating of A, Exceptional. 

Also verify that your insurance company maintains a strong balance sheet, sizable surplus, and solid reinsurance program. These are signs that, in the event of a big 100-year storm, they will be capable of restoring policyholders to pre-loss condition.

The Best Way To Find A Good Insurance Company And Compare Home Insurance Quotes is through Online Quoting Tool from Insurance Quotes In Florida.

Compare Quotes Now and Get:

  • your Free Reconstruction Estimate report

  • the best rates for your home insurance in florida

  • Free Analysis of Your current Home Insurance Policy

  • Get All Your Questions Answered by a Licensed Agent Now!

Complete Guide To Homeowners Insurance - Florida

Homeowner's insurance in Florida(also known as home insurance) isn't a luxury, it's a necessity. And not just because it protects your home and possessions against damage or theft. Virtually all mortgage companies require borrowers to have homeowners insurance coverage for the full or fair value of a property (usually the purchase price) and won't make a loan or finance a residential real estate transaction without proof of it.

You don't even have to own your home to need insurance; many landlords require their tenants to have florida renter's insurance coverage. But whether it's required or not, it's smart to have this kind of protection anyway. We'll walk you through the basics of this type of policy. 

What a Homeowner's Policy Provides

The elements of a standard florida homeowner's insurance policy provide that the insurer will cover costs related to: