Florida Homeowners Insurance Questions

Homeowners Insurance

Click on the questions below to view the answers.

  • Hurricane Season Preparations?

    • Some Preparations To Take Before Hurricane Season Comes To Florida Are: • Make Sure You’re Covered! Insurance Compan...
  • What Is Wind Loss Mitigation?

    • Wind Loss Mitigation Is Performed By A Licensed Inspector To Determine The Dwelling’s Ability To Withstand Hurricane For...
  • Cost Of Wind Mitigation Inspection?

    • Ask Your Agent, But In Most Cases This Inspection Helps To Dramatically Reduce Your Homeowner’s Premium Immediately And ...
  • Insurance Company Secure?

    • There Are Several Factors To Review When Determining The Stability Of An Insurer. Here Is A Brief Version Of What To Loo...
  • Homeowners Insurance Not Renewed?

    • You Are Not Alone Currently There Are Thousands Of Floridians Asking Themselves The Same Question. State Farm And Nation...
  • What Is My Homeowners Deductible?

    • Your Deductible Will Vary Based On Your Individual Situation And Be Determined By You When You Discuss Your Coverage Opt...
  • How Much Homeowners Coverage?

    • Your Coverage Will Be Determined By The Size And Features Of Your Home. Your Policy Will Be Customized To Your Unique Ne...
  • Homeowners Covers What?

    • The Typical Homeowner’s Policy Has Two Main Sections: Section I Covers The Property Of The Insured, And Section Ii Provi...
  • Flood Insurance?

    • According To Federal Emergency Management Agency Officials, Some People Do Not Buy Flood Insurance Because They Don’t Un...
  • Homeowners Cover Flood ?

    • No, Flood Insurance Is A Separate Policy That Can Be Purchased Through Any Licensed Property And Casualty Agency And Is ...
  • What Is Replacement Cost?

    • Covered Losses Under A Homeowner’s Policy Can Be Paid On Either An Actual Cash Value Basis Or On A Replacement Cost Basi...
  • Am I Eligible For Discounts?

    • Homeowner Insurance Companies Offer A Variety Of Discounts To Homeowners That Have Smoke Alarms, Security Systems Or Pro...
  • Should I Update Homeowners Insurance?

    • We Recommend Reviewing Your Policy At Every Renewal And Make An Appointment With Your Agent If You See Anything That App...
  • Independent Agent?

    • Generally Speaking, There Are Two Different Ways That Insurance Is Sold And Serviced: There Are Independent Agents Who ...
  • Document Personal Property?

    • To Document Personal Property You Can Make A List Of Major Household Items And Possessions. Where Possible, It Is Wise T...
  • Lower Homeowner’s Premium?

    • Here Are A Few Tips On What To Consider If You Want To Try And Lower Your Homeowner’s Insurance Costs: • Talk To You...
  • Replacement Or Market Value?

    • Homeowners’ Insurance Policies Often Provide Replacement Cost Coverage For The Dwelling In The Event Of A Loss. As Such...
  • Additional Living Expenses?

    • As Most Provisions In Insurance Policies Additional Living Expenses (ale) Can Vary From Company To Company And We Recomm...
  • Repair Property Damage?

    • In The Event Of Damage To Your Property You Should Make Only The Temporary Repairs Needed To Prevent Further Damage To T...
  • Rental Insurance?

    • The Home Owner’s Policy Will Not Cover You; You Would Need Your Own Renters’ Insurance Policy To Protect Your Personal P...
  • Vacant Dwelling Insurance?

    • Vacant Dwellings Do Need Special Coverage. Depending On Your Policy You Will Have 30-60 Days To Find A New Tenant Before...
  • Flood Risk?

    • Yes, You Would Want To Consider A Flood Insurance Policy. Anywhere It Rains, It Can Flood. As A Homeowner It Is Always I...
  • Waiting Period Flood?

    • There Is Normally A 30-day Waiting Period Before The Flood Insurance Would Go Into Effect. There Are However 2 Basic Exc...
  • Hurricane Protection?

    • Here Is A Brief List That The Institute For Business & Home Safety (ibhs) Outlined Of The Top Five Ways To Better Protec...
  • Required To Insure Home?

    • You Are Not Required If There Is No Mortgage Or Third Party Who Has An Interest In The Home And Property. But Because Yo...
  • Condominium Coverage?

    • Your Condominium Association Insurance Covers The Condominium Building, Commonly Owned Property, And Liability For The A...
  • After A Flood?

    • You Do Not Have To Be In A Flood Zone To Be Affected By A Flood. Hoffman & Associates Recommends Talking To Your Agent R...
  • Storm Damage Liability?

    • No, His Homeowners’ Policy Would Cover The Damage To His House Unless You Were Negligent And Are Held Liable For The Dam...
  • Purpose Of Wind Mitigation?

    • A Wind Mitigation Is Used To Identify Possible Discounts That A Homeowner May Be Eligible For. It Is Not Used To Charge ...
  • Personal Property Limitations?

    • There Are Items Or Valuables That May Have Limitations In Your Homeowner’s Policy. Some Items Include: • Jewelry: We...
  • Flood Insurance?

    • Why Should I Consider Flood Insurance? According To The National Flood Insurance Program: • Floods Are The Most Comm...
  • Wind Mitigation?

    • A Wind Mitigation Inspector Will Look At Many Features Of Your Home To Determine What Discounts You May Be Eligible For....
  • Flood Zone Remapping?

    • If You Are Aware That Flood Remapping Is Taking Place In Your Community, And You Don’t Have Flood Insurance, Now Is The ...
  • Demotech Ratings?

    • Demotech Is A Company That Provides Information On The Financial Stability Of Property And Casualty Insurers. A Financia...
  • Indian Harbor Beach 32937

    • Finding Insurance On The Beachside In Brevard County Can Be A Challenge. Captive Agents Such As Allstate Could Be Limite...
  • Citizens Only Option?

    • If Your Agent Is Only Giving You The Citizens Option You May Need To Shop Around For An Independent Agent. As Former O...
  • 4 Point Inspection?

    • A Four-point Inspection Is Often Required When Obtaining A New Homeowners Insurance Policy Or Renewing An Existing Polic...
  • What Is A 4-point?

    • The Four Point Insurance Inspection Consists Of The Following Four Systems: • Roof Inspection • Electrical Inspection ...
  • “a” Rated Insurance Carrier?

    • After A Detailed Analysis Of Insurers Financial Situation Companies, Such As Demotech, Assign A Letter Rating Based On T...
  • Pools And Insurance

    • Call Your Homeowner Insurance Agent Or Company Representative. Let Your Insurance Company Know That You Have A Pool, Sin...
  • Review Insurance?

    • There Are Four Events That Should Trigger A Review Of Your Policy: 1. When Your Policy Comes Up For Renewal Don’t Just ...
  • Credit Rating?

    • Credit Scores Are Based On An Analysis Of An Individual’s Credit History. These Scores Are Used For Many Purposes Such A...
  • Standard Home Policy?

    • A Standard Homeowner’s Insurance Policy Includes Four Essential Types Of Coverage. They Include: 1. Coverage For The S...
  • Cost Of Flood Insurance?

    • Flood Insurance Can Be More Affordable Than You Think, For Those Who Qualify For Preferred Rates; Below You’ll Find A Sa...
  • No Homeowners Insurance?

    • If You Live In A Home That Is Considered "high-risk" Or Plan To Move To A High-risk Location, You May Have Dif...
  • Cancelled Or Non-renewed?

    • There Is A Big Difference Between An Insurance Company Canceling A Policy And Choosing Not To Renew It. Insurance Compan...
  • Home Inventory?

    • Would You Be Able To Remember All The Possessions You’ve Accumulated Over The Years If They Were Destroyed By A Fire? Ha...
  • Hurricane Preparation?

    • Hurricane Season Starts June 1 And Runs Through November 30. Tips: 1. Buy Enough Insurance • Get Enough Insurance To ...
  • Renters Insurance?

    • No. Your Landlord Is Only Responsible For The Damage Done To The Structure Of The Building. Damage To Your Personal Poss...
  • Condominium Insurance?

    • Usually, Your Own Condominium Insurance Policy Provides Coverage For Your Personal Possessions, Structural Improvements ...
  • Claim Settlement Amount?

    • The Type Of Policy Is One Factor In Determining The Amount Of A Settlement Replacement Cost And Actual Cash Value: Repl...
  • Shutters Mitigation Discount?

    • No. There Are Many Other Features Of Your Home That May Qualify For Wind Mitigation Discounts. Even If You Do Not Have S...
  • Insurance Wind Mitigation Discounts?

    • The State Legislation Adopted Provisions For A New Statewide Building Code (the 2001 Florida Building Code), Which Becam...
  • Same Policy 25 Years?

    • Review Your Coverage With Your Agent. Some Older Policies Provide Less Coverage Than The Ho-3. They May Not Provide Cove...
  • “acts Of God”?

    • Sometimes, The Term “acts Of God” Is Not Specifically Mentioned In Homeowners Insurance Policies. It Usually Refers To N...
  • Fallen Tree House Covered?

    • Yes. You Are Covered For The Damage To Your Roof. You Are Also Covered For The Removal Of The Tree, Generally Up To A $5...
  • Losses Covered?

    • Yes. The Ho-3 Provides Broad Coverage For These And Other “perils,” As They Are Called In The Policy, Including All Thos...
  • Water Damage Covered?

    • Most Ho-3 Policies Cover You For Accidental Discharge Of Water From A Plumbing System, But Not All. You Have To Verify W...
  • Homeowner’s Insurance Policy?

    • One Of The Most Important Things You Can Know About Your Policy Is What Exactly It Covers. The Worst Time To Learn Exact...
  • Fallen Tree Coverage?

    • Your Trees And Shrubs Are Covered For Losses Due To Risks Like Vandalism, Theft And Fire, But Not Wind Damage. However, ...
  • Children At College Covered?

    • If They’re Full-time Collage Students And Part Of Your Household, Your Insurance Generally Provides Some Coverage In A D...
  • Boat Stolen Covered?

    • Whether Or Not You Are Covered For Either Theft Or Liability Depends On The Size Of The Boat, The Horsepower Of The Engi...
  • Extra Rebuild Costs Covered?

    • Although A Small Percentage May Be Included Automatically In Your Policy You Can Purchase An Ordinance Or Law Endorsemen...
  • Wind Mitigation Roof Covering?

    • The Discount Insurance Companies Are Mandated To Give You Is Based On If You Have Had Your Roof Replaced Since The 2001 ...
  • Wind Mitigation Roof Deck Attachment?

    • This Is In Reference To The Fasteners That Are Used To Attach The Roof Sheathing To The Roof Framing Members. Roof Decks...
  • Wind Mitigation “roof To Wall Connections”?

    • Yes. “roof To Wall Connections” Refers To What Is Holding Your Roof Framing Members Down To Your Walls. The Better The C...
  • Wind Mitigation “roof Geometry” Best?

    • A “hip” Shaped Roof (“roof Geometry”) Offers The Best Discount When Referencing The Wind Mitigation Inspection Discounts...
  • Wind Mitigation “gable Bracing”?

    • If Your Roof Is Anything Other Than “hip” And It Happens To Be Shaped As A “gable” Roof Than The Form Wants To Identify ...
  • Wind Mitigation “wall Construction Type”?

    • This Is Exactly How It Sounds. The Inspector Is Going To Identify They Types Of Wall Construction And The Percentage Of ...
  • Wind Mitigation “secondary Water Resistant Barrier (swr)”?

    • For The Purpose Of The Wind Mitigation Inspection Form 1802 A Secondary Water Resistant Barrier Is A Self Adhering Modif...
  • Wind Mitigation Opening Protection?

    • Usually Yes If You Have Approved Opening Protection On All Openings You Should Qualify For Some Type Of Discount On Your...
  • Animal Liability?

    • In Most Cases The Answers Is No. Many People Are Not Aware That Most Homeowners Companies In Florida Are Now Excluding A...
  • Animal Liability?

    • There Are Stand Alone Policies That A Designed To Cover This Specifically. You Can Call An Independent Agent That Repres...
  • What Coverage’s Are Excluded By Citizens?

    • Citizens Will No Longer Offer Coverage On The Items Listed Below Weather They Are Attached To The Building Or Not.......
  • What Are The Citizens Changes For May 2012?

    • Effective 05/01/2012 For Renewal And 06/01/2012 For New Business Citizens Property Insurance Change Are The Following: R...
  • Can Citizens Surcharge Me After A Storm?

    • Yes, In Addition To The Current Premium You Are Paying For Your Citizens Property Insurance Policy You Could Be Surcharg...
  • Will Citizens Cover My High Value Home?

    • No , Effective 02/01/2012 For New Business Citizens Maximum Coverage For The Dwelling Is 1 Million Dollars . If You Have...

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