Things You Should Know Before Choosing Florida Property Insurance

When it comes time to purchase property insurance Florida, it can be a rather stressful decision.  However, if you take the time to understand what the different coverages mean, as well as which options work best for your situation, you can choose the best coverages and pricing for your needs.  The following are coverages that are available, and how important they are for your property insurance policy. If you simply need a quote check out

Structure Insurance

This type of coverage covers the costs associated with repairs that might be required, as well as the costs to completely rebuild your home in the event of a total loss.  Many companies use different methods to determine these costs, so it is important that you understand this coverage.  You need to make sure that the coverage amounts are based on the actual cost of rebuilding your home now, rather than its market value to ensure that you have enough coverage.

Personal Property

Another important aspect of property insurance in Florida is personal property coverage.  These coverages cover the cost of replacing the contents of your home if they are damaged.  These coverage amounts can vary greatly, with some companies only providing coverage that will cover the original cost of your belongings, rather than the amount that it will take to replace them at the current rates for new items.  Make sure that you take the time to verify this to ensure that you choose a coverage amount that will truly cover your belongings.

Guest Medical Coverage

There are many ways that someone can be injured on your property, and you are liable for the costs associated with them.  For example, someone can trip over a branch, fall on the stairs, or even step in a hole.  If they are injured, guest medical coverage on your property insurance Florida policy will help pay the medical costs so that you do not have to pay them out of your own property.

Flood Insurance

Flood insurance is one of the most important property insurance coverages, especially if you live near the coast.  However, this type of insurance is not included in basic homeowners’ policies.  Instead, you will need to purchase separate flood insurance to make sure that your home is covered.  Many insurance companies provide water damage coverage as part of their base Florida homeowners insurance policy, but this is not the same as flood insurance.

Water damage policies cover damages that result from backed up sewers and drains, or due to an overflowing sump pump.  Flood coverage covers the damages that result from flash floods or strong storms.  One inch of water can cause significant damage, and it is possible to experience flooding no matter how close you are to a body of water.  For this reason, you need to make sure you are protected.

Florida property insurance does not have to be a difficult process.  Making sure you understand the coverages will ensure that you know exactly what you need to protect your home and finances.

Florida auto insurance

Florida Roads

Driving in Florida is an experience like no other.  Unless you live in one of the major cities (think Miami or Tampa), traffic jams tend to be more of a slight nuisance than major inconvenience.  You can find yourself stuck on a beach road, waiting for the bridge to finally go down after letting the sail boats through, or wondering if everyone has forgotten how to drive on a rainy afternoon.  As you travel through the central part of the state, you may find yourself surrounded by dairy cows and citrus groves – and stuck behind a truck filled to capacity with oranges or grapefruit.  With such a diverse driving landscape, the hazards to drivers (and their cars) are numerous.  It is important to have a current Florida auto insurance policy to protect you, your car, and others who may be riding with you.

Finding a Florida auto insurance policy can be as easy as logging onto the internet.  A simple search will provide you with dozens of options for insurance policies like this. It will just take a bit of research and time to find the perfect plan for you.  A good way to start is to simply ask your friends and family about their auto insurance company.  Find out what company they use, and how happy they are with their insurance experience.  Do a search for the top companies and request a rate quote online.  Select the top half dozen companies, and follow up with phone calls to the agent to narrow down your choices.

Questions to Ask Agents

Types of Plans

Often, insurance companies will offer discounts for plans that are bundled – inquire about discounts for purchasing your auto insurance along with homeowners, RV insurance or life insurance plans.  By using one company for all your insurance needs, you can not only save money, but it lets you establish a relationship between yourself and the agent.

Claim Process

Ask the agent about the process for filing an automobile insurance claim.  Do you upload pictures of damage to a website? Does an agent need to personally see the car for an estimation of damage? Can you use any repair shop you choose or must you use a shop that they designate? Finding out the process for claims may be the deciding factor in selecting a Florida auto insurance policy.


Discuss with potential agents the possibility of discounts.  Do they discount policies for plans that are paid in full? Are there rewards for being a safe driver and for being accident free? If you maintain your policy with them for several years, are you given a discount?

Plan Benefits

An agent will be able to give you specific information about what the benefits of each plan are.  You can make choices about having a lower deductible, adding car rental insurance or other options that will change the overall price of the plan, but can be customized to meet your specific needs.  If your car is financed through a bank, you will need to check with the bank to find out the specific coverage limits that they require making sure that you carry an adequate amount of coverage.

It is important to stay safe while driving on the roads of Florida.  Protect yourself and those around you by making sure you have a Florida auto insurance policy.

Boat Insurance in Florida

You work hard to be able to afford the things you want and one of the luxuries that you have been wanting for quite a while is your own boat. You live in Florida so you know that you will have plenty of time to be able to take your new boat out and really enjoy it. But what do you need to know about owning a boat? One of the first things you need to address is boat insurance in Florida from


Some people mistakenly think that their homeowner’s insurance policy will provide enough coverage for their new boat but that is not the case. Boats are a form of leisure but also a form of transportation and they must have their own insurance coverage. You should check with your insurance agent who covers your automobile insurance to see if their company offers insurance for your boat. This is a good place to start because many times the more insurance coverage you have from the same company the cheaper it will be. It is called bundling and you can save money if you have your auto, homeowners, and boat insurance all through the same company.


You must have insurance coverage on your boat in case someone was to get hurt while a passenger or if you were to become involved in an accident. There are several different forms of coverage you should consider. You will need bodily injury in case someone is injured because of your boat; you should consider property damage in case you were to damage a dock or hit another boat;  and you will want to have physical damage coverage in case you cause damage to your boat through an accident with or without another boat. Extra coverage that should also be considered is comprehensive which will protect you from thieves, floods, vandalism, fire, and for coverage for everything of value that is on your boat.


There are many things you should ask your insurance agent when purchasing coverage for your boat. Make sure that you know the areas where your boat will be covered. There are limits and your agent can help to make sure that you are covered specifically where you will be doing most of your boating.


Make sure that you take a class on boating so that you can learn everything you need to know before you start sailing your boat. Your insurance company may also offer some discounts if they know that you have taken the time to learn how to implement all the rules and safety precautions while on the waterways.


When purchasing your boat you may want to spend the extras on as many safety extras that are offered. Anything that will help protect you and your passengers is going to help with the cost of the insurance for your boat.


Also make sure to let your agent know when you will not be using your boat. Unlike automobiles, you can take a break from coverage if you have several months where you will not be sailing.