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     <<  Home Inspection  |  Home Owners Insurance  | Title Insurance  >>

     

    Florida Home Owners Insurance

    We recommend that you do not wait until the last minute to obtain a homeowner’s policy in Florida.  What we find is it takes may take up to two weeks to shop around and get the most affordable policy.  Florida has some unusual insurance issues that are not common throughout the US such as a hurricane deductible.  Insurance carriers are constantly reevaluating of their exposure to the marketplace and overall risk.  In other words, the company that gave the best rates last year may not even be writing policies in a given area or segment of the market today.

    We can provide you with several reputable companies in the area.  We were also recommend you do a little searching on your own.  You might find a wide variation in pricing and several companies might not even call you back.

    Flood Insurance.

    If your home is in a flood zone or known high wind area, you may be required to have additional insurance.  Remember, a homeowner’s policy does not cover flood related claims. Homeowners find the peace of mind of having a flood insurance policy makes sense even if their lender does not require it.

    Wind Mitigation.

    If there was a wind mitigation inspection performed, let your insurer know.  There might be a substantial premium savings for some properties when this sort of inspection is performed.   You also may have the flexibility of changing your deductible and hurricane deductible.  Both are ways to save money in the event of the catastrophe.

    Named Storms and Hurricanes.

    If buying during hurricane season, be aware that insurance companies will not issue policies in southwest Florida if there is a named store in the Gulf of Mexico.  If there is even a hint the timing of your closing might collide with an upcoming weather event, but the policy sooner rather than later.  The daily cost for insuance is minimal.

    When to Pay the Premium.

    You don’t have to immediately pay for an insurance binder until a few days or a week before closing but knowing who your insurance carrier will be early in the process is best.  Your lender may also require a copy of the insurance binder prior to releasing the loan documents to the title company

    Avoid the stress of waiting to last minute and start working on homeowners insurance after the home inspections are done and settled.

    Continue on to Title Insuance >>

    Waterfront Luxury Homes

    18625 Rue Beauvais, Lutz image
    18625 Rue Beauvais, Lutz $2,100,000

    Elegant design and exquisite details. This custom 5/4/2, 5263 square foot lakefront Taylor Morrison home in the gated golf community of Cheval is what dreams are made of....

    • 5 Beds
    • 5.5 Baths
    • Beauvais SubDv.
    • 33558 Zip Code
    3308 Lukas Cove, Orlando image
    3308 Lukas Cove, Orlando $1,500,000

    Paradise in Orlando!!! Treat yourself to the ultimate lakefront lifestyle in this 2.2-acre custom home privately set in an executive estate community along Lake Drawdy! D...

    • 5 Beds
    • 5 Baths
    • Lukas Estates SubDv.
    • 32820 Zip Code
    4530 Brookshire Place, Lake Wales image
    4530 Brookshire Place, Lake Wales $640,000

    A very spacious lakefront to enjoy the beautiful sunrise, 3,424 SqFt Home, A private pool that includes lighting, Fountain, Pool pump, Child safety fence, And a deck, 5 ...

    • 5 Beds
    • 4 Baths
    • Brookshire SubDv.
    • 33898 Zip Code
    19723 Morden Blush Drive, Lutz image
    19723 Morden Blush Drive, Lutz $550,000

    Honey, STOP the car! This home is perfect for us. This Lutz home is in a relaxing neighborhood without much vehicle traffic buzzing around. It's so quiet, and the front y...

    • 4 Beds
    • 2 Baths
    • Villarosa H SubDv.
    • 33558 Zip Code
    43368 Treadway Drive, Punta Gorda image
    43368 Treadway Drive, Punta Gorda $550,000

    Spacious, functional, and move-in ready Sylvester floorplan in the Trail’s Edge community of Babcock Ranch is waiting for you to call it home. Babcock Ranch is one of the...

    • 4 Beds
    • 3 Baths
    • Babcock Ranch SubDv.
    • 33982 Zip Code

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