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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

    5718 S Gordon Avenue, Tampa image
    5718 S Gordon Avenue, Tampa $10,000,000

    Introducing the perfect private coastal escape in the historic and scenic Ballast Point neighborhood of South Tampa. Be transported via a private road to a tranquil bayfr...

    • 5 Beds
    • 6.5 Baths
    • Shell Point SubDv.
    • 33611 Zip Code
    3957 Blacktail Court, Kissimmee image
    3957 Blacktail Court, Kissimmee — Taylor Morrison $675,000

    Gorgeous Home inside a residential Resort-Style community of Bellalago built by Taylor Morrison. This Java model with the 2nd floor option features 5 bedrooms, 4.5 bathro...

    • 5 Beds
    • 4.5 Baths
    • Bellalago Ph 4k SubDv.
    • 34746 Zip Code
    14838 Speer Lake Drive, Winter Garden image
    14838 Speer Lake Drive, Winter Garden $1,299,999

    Gorgeous lakefront home with private boat dock and lift! Enjoy the sunrise and the Disney fireworks right from your backyard! This remarkable 4 bedroom, 3.5 bath home is...

    • 4 Beds
    • 3.5 Baths
    • Signature Lakes Ph 3b-2 & 3b-3 SubDv.
    • 34787 Zip Code
    7573 Green Mountain Way, Winter Garden image
    7573 Green Mountain Way, Winter Garden $1,950,000

    Step into this extraordinary LAKEFRONT haven, nestled on a sprawling 1.26-acre expanse along the pristine shores of Lake Hancock, renowned as one of Central Florida's mos...

    • 4 Beds
    • 3.5 Baths
    • West Lake Hancock Estates SubDv.
    • 34787 Zip Code
    5613 Cloverleaf Run, Lakewood Ranch image
    5613 Cloverleaf Run, Lakewood Ranch $1,300,000

    The Chapel Hill floorplan is one of the most sought-after homes in Bridgewater. With close to 4,000 square feet, there is room for everyone in the family to have their p...

    • 5 Beds
    • 4 Baths
    • Lakewood Ranch SubDv.
    • 34211 Zip Code

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