HOMEOWNER’S INSURANCE INFORMATION
Homeowners Insurance Information
Home Insurance for Florida Homeowners
It’s always exciting to move to a new home, but it’s also stressful. Florida is a gorgeous place to live, but it can be expensive. Depending on where you live in Florida, you may be concerned about damages incurred from the coast or worried about hail and rain damage. Homeowners insurance can help set your mind at ease knowing your belongings are covered in case of disaster. Express Service Insurance Agency can help you find the right policy for cheap homeowners insurance coverage.
What Does Home Insurance Cover?
Home insurance can protect against a lot of accidents. Coverages usually include:
- Property: Property coverage helps pay for damage that occurs to the physical aspects of the home. This includes the structure of the home itself, attached structures such as garages, and can extend to unattached structures such as gazebos. It covers against fire, lightning, smoke, theft, vandalism and more. It does not usually include flood or earthquake coverage.
- Liability: General liability for a homeowner helps pay for property damage and bodily liability you or a family member might cause to someone else. You can also purchase pet liability insurance to compensate for any damage or bodily injury your pet causes.
- Personal Belongings: This coverage covers against the same perils as property damage but applies to your personal belongings. For especially expensive items such as jewelry or art, you can purchase additional floater policies.
- Additional Living Expenses (ALE): If a disaster renders the home uninhabitable, ALE provides monetary assistance if you must live somewhere else while your home is being rebuilt or repaired.
What is the Average Cost of Homeowners Insurance in Florida?
The average cost of home insurance in Florida is $1,777 a year. Florida is the most expensive state to purchase home insurance, in part due to the amount of natural disasters that occur each year. So close to the coast, Florida suffers from tornadoes, floods, bad windstorms and other disasters. Home insurance doesn’t only account for your location, however. It is also influenced by factors such as the value of the home, your credit history and more. Speak with an insurance agent about possible discounts.
Do You Need Homeowners Insurance in Florida?
Florida doesn’t require homeowners insurance by law, but many mortgage lenders do require you to purchase home insurance. It’s also crucial to protect your home and belongings in Florida’s unpredictable climate.
Since 1995, Express Insurance has worked with Florida homeowners and worked hard to find cheap home insurance and reliable coverage. Call our expert agents at (954) 943-7900 or fill out an online quote form today.
Homeowners Insurance Quote Forms
Looking for coverage? Click the following links to submit a quote for quick, accurate and affordable rates.
Homeowners Insurance Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.
Express Service Insurance Agency
Phone: (954) 943-7900