Home Insurance Florida

The Importance of Home Insurance in Florida

For most people, buying their Florida home was part of the American dream. However, that sentiment can get turned upside down if you don’t have the necessary insurance to cover your investment. Homes are large sturdy structures, but all it takes is one bad wire or one freak storm and they can be reduced to rubble, leaving you devastated and without a place to sleep. That’s why you absolutely must have home insurance in Florida from YourFloridaInsuranceQuotes.com to protect this important possession when looking for home insurance companies in Florida. Otherwise, you risk losing everything.

The Goal of Home Insurance in Florida

It might sound silly, but it’s important to establish the main reason to have home insurance in Florida. Otherwise, you might make the same mistake many other people do and simply sign up for insurance simply to meet a requirement for your mortgage. Without giving it some thought, however, you run the risk of not having enough coverage when things go wrong.

The whole point of home insurance is to restore your property and possessions back to their original condition prior to damage occurring. This should be your ultimate goal when perusing your options. By keeping this in mind, it should be harder to make a bad investment that could leave you without the coverage you need.

Dwelling Coverage

This is the most basic type of home insurance in Florida and the version you must absolutely have in case something goes wrong. Your dwelling is nothing more than the physical structure of your home and structures likewise attached. So an attached garage or greenhouse would count as your dwelling as well. But that’s it. Imagine what your home looked like prior to moving in and there’s your dwelling. The coverage will not ensure any items you move inside it.

Dwelling coverage will cover the amount to rebuild the structure should something happen to it or if damage was simply done to part of it. This coverage restores the home to what it first was. However, the current real estate market has no effect on what that amount would be. So it’s not as though your dwelling coverage goes down because of a poor economy.

Other Structures

As you’ve probably already considered, not all of your property or even your actual “dwellings” are attached to your home. You may have a guest house, for example. Many people have garages that aren’t attached, sheds, etc. These structures should all be insured too as they’re just as likely to get damaged if catastrophe occurs.

Personal Property

Recall that your dwelling coverage only insures the physical structure, not the items inside. Obviously, that’s no good if a hurricane hits your Florida home. Getting the house rebuilt would be great, but you’ll be at quite the loss without the money to fill it back up with furniture, amenities, etc.

That’s where personal property insurance is necessary. However, each insurance company defines this type of coverage a bit differently. You’ll want to check with their terms to be sure you know which items are covered, which are excluded and which are only partially covered.

Additional Living Expense

This type of coverage is also referred to as Loss of Use. Basically, this coverage insures you for the costs you may incur simply to live without your home. If your house burned down, for example, you’d probably need to live out of a hotel for a while, eat out, etc. and this would all cost a lot of money. So you’d want home insurance in Florida that helped you recouped these expenses.

Although it may seem simple at face value, home insurance Florida actually has a number of facets. Make sure you cover all of them before signing up with a provider or you could find yourself with a terrible situation getting even worse.

Florida Auto Insurance Estimate

4 Easy Ways to Save Money on Automobile Upkeep

 

It’s midnight. You’re up late searching the web for a Florida auto insurance estimate and end up on YourFloridaInsuranceQuotes.com – this means one of two things – you have WAY too much time on your hands or you are trying to save some money. Chances are the latter, however, if your idea of a fun time is looking for insurance quotes we suggest you get a hobby.

From what to look for in your Florida auto insurance estimate to easy ways to make a tank of gas go farther read on to find our four easy tips for having everything you need to stay on the road while still having money to get on it.
Choosing a Florida Auto Insurance Estimate

The first thing you need to decide is what you can afford but if you can afford it full coverage is your best bet. Yes – it is more expensive, however, peace of mind is invaluable especially when you find yourself rammed into the bumper of the BMW. The cardinal sin of auto insurance is knowing you can afford to splurge on full coverage but sticking to the bare minimum. Trust us. It stings a lot less to pay up now than to find yourself owing money out of pocket to fix some jerk’s bumper.

 

Carpooling Counts

Carpooling – just the thought of it strikes fear in the hearts of drivers everywhere. It’s kind of like being stuck next to the nose picker on the school bus but we digress… carpooling really does count and it can be done in a way that doesn’t feel like a punishment. Take turns driving with a friend. You’ll enjoy the company and both save some money in the process which obviously makes this tip a win/win for you both.

 

Research the Road

When gas is a whopping 4 dollars in some places in America sometimes you just can’t help be tempted to buy a pony. A really, really fast pony. But that’s just not logical or possible so your next best bet is researching the road. Pick routes that cut time in half to save gas mileage. Take each route to work once to see if the time saved is worth it. For instance, if you save 10 miles by taking a back road but end up hitting a mud hole and watching for cow crossings you’d be better off just to take the highway.

 

Call When in Doubt

If you aren’t finding a Florida auto insurance estimate that suits your needs online, call and talk to a real person. Remember, everyone has to have insurance so they aren’t likely to try to cold-sell you some insurance by boring you to tears with their many special packages. The person on the other end of the line has no doubt been where you are and will be able to help you decide what incentive programs for safe driving might help you save in the future and how to save more upfront so that you can worry less about spending Saturday night looking for insurance and more time doing anything else… anything.