In South Florida that matters. Flood coverage is a separate policy, through the National Flood Insurance Program or a private insurer, and NFIP policies usually take 30 days to start. Buy it before hurricane season, not during a storm watch.
It is often a percentage of your dwelling coverage, such as 2% or 5%, rather than a flat dollar amount. On a home insured for $400,000, a 2% deductible is $8,000. We show you the hurricane deductible on every quote.
Florida insurers have to offer discounts for features that reduce wind damage, such as roof straps, impact windows and shutters. If you’ve never had an inspection, or you’ve upgraded the house since, we tell you whether one is worth it.
Homeowners (HO-3), condo unit owners (HO-6) and renters (HO-4) each need a different policy. We quote the right one and line up coverage, deductibles and price side by side.
Roof age and the age of the plumbing, electrical and air-conditioning systems weigh heavily with Florida insurers. Older homes may need a 4-point inspection before a company will write a policy.
No. Flood damage needs a separate flood policy. NFIP policies usually have a 30-day waiting period, so plan ahead of hurricane season.
An inspection of the roof, electrical, plumbing and heating and air-conditioning systems. Many Florida insurers require one for older homes before they will offer a policy.
The association’s master policy usually covers the building and common areas. Your own HO-6 policy covers the inside of your unit, your belongings, your liability and assessments the association may pass on to owners.
Renters insurance covers your belongings and your personal liability, which the landlord’s policy does not. Many landlords require it in the lease.
Tell us what to quote and how to reach you. A licensed agent gets back to you with options, in English or Spanish.
Florida’s required PIP and property damage coverage, plus the protection the minimum leaves out.
See coverageTerm and permanent life insurance for families and business owners, sized to real numbers.
See coverageGeneral liability, property and workers’ compensation, set up with your payroll in mind.
See coverageCall and ask for the insurance team. A licensed agent walks you through the options for your home, car, business, health or family.
(786) 612-5021