Buying a home in Florida, especially for the first time, can be a very exhilarating experience. Going from renting an apartment or condo to owning a full-sized home on a piece of property is a great accomplishment. However, it is also important to for prospective home buyers to realize just what a huge investment a home is and how much money will need to be put into it over the course of the next several decades. This is true not only in terms of maintenance costs, but in terms of upkeep and paying for homeowners insurance in Florida as well.
Shopping for a home owner’s insurance policy is one of the less exciting aspects of buying a home, but it is still something that will need to be done before the keys are turned over to the new owners. After all, without an insurance policy on the house, its owners could be left facing thousands of dollars or more in repairs following a natural disaster such as a hurricane, an incident such as a fire, or even a crime such as a burglary. Home owner’s insurance policies are in place to protect home owners from having to take on these expenses; with a comprehensive policy, necessary covered repairs can be paid for. All the home owner needs to do is to file a claim with the insurance company.
In the state of Florida, there are some home insurance coverage options that all home owners should make sure that they have in their policies. Among the most important of these is hurricane coverage. After all, Florida is a state that sees a lot of damaging tropical storms and hurricanes with severely high winds, hail, and heavy rain. Therefore, having coverage in place in the event that one’s home is hit by a hurricane is vital.
Furthermore, the heavy rains of tropical storms and hurricanes also often cause severe flooding. All homes in Florida are susceptible to flooding, even ones that are newer construction. A flood can be truly devastating and expensive to have repairs done after, especially considering the fact that flooding often leads to mold damage as well. For this reason, making sure that one’s home insurance policy includes flood protection is always a good idea. A lot of times, this is covered under hurricane protection, but it is never a bad idea to make sure by checking one’s policy paperwork or contacting one’s insurance agency.
Buying and owning a home is expensive enough, however. For this reason, home owners often do everything that they can to save money on their insurance. Still, it is important that home owners do not skimp on their coverage amounts, as this can easily come back to bite them in the long run. Instead, it is best to do a lot of shopping around for various insurance policies with different companies in order to find the one that offers the best coverage for the lowest price. This can be done with a third-party insurance quote website, of which there are many on the Internet.
Even once a policy is purchased, it is still recommended that home owners take the time to shop around for quotes at least once per year to make sure that they are still getting the best deal on their homeowners insurance in Florida by Alliance321.
You all have access to the most companies and got us the best price on our coverage.Jay Johnston, Jacksonville, Fl
I just saved over $400 on my Homeowners Insurance Florida with Alliance and Associates. My agent was very helpful, got me discounts I did not even know about and shopped all the carriers to make sure I was getting the best deal. Thanks Alliance! I will recommend you to everyone.Joan P. – Orlando, FL
Alliance and Associates is the place to shop for all your insurance needs. I packaged my home and auto together and saved over $300 a year. My agent shopped around and got me the best rate. I would recommend everyone to use Alliance and Associates for finding the best insurance rates.Mary S. – Tampa, FL
My Agent at Alliance and Associates shopped all the Auto and Home Insurance companies to see who gave me the best rate and plan. Alliance’s agents are knowledgeable and very polite. I will put all my insurance’s with Alliance. Thanks for the savings!”John H. – Jacksonville
Alliance and Associates saved me hundreds on my Workers Comp, General Liability, Group Health and Commercial Auto and Insurance needs. Thanks Alliance. I will be recommending you to all my friends.Tory H. – Orlando
You were willing to take this bull by the horns and run with it when no one else was interested. You have no idea how HAPPY I am right now. I have been fighting this battle for over a month and you came through. You diffidently will be my first contact for any future insurance needs and I WILL refer my friends to you.”Dennis A. – Tampa
“Felicia was a wonderful agent and helpful at every time. I would highly recommend getting your insurance needs met here.”S. Miller – Jacksonville, FL
“I am happy in today’s world to be able to compliment someone, not everyone enjoys doing what they do as Lisa did. I am on disability, was in the insurance field years ago in the 70’s and then went into the medical field and finished as a clinical supervisor. I know what I expected of my staff and Lisa exceeded all expectations. We just found your site the other night but I can assure you as our needs come up for different things we WILL be calling ALLIANCE.”D. Clair – Florida