Get Free Florida Homeowner's Insurance Quotes - Homeowner's Insurance of Florida

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You can now get a quick estimate with Security First Insurance Company or visit our quote link to get a comparison insurance rate from all of our great carriers.

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Security First Insurance offers Florida Home Insurance

Please note that not all areas are open for new business. Also, the estimated premium that is returned does not include wind loss mitigation credits, which can be substantial, for specific steps you may have taken to harden your home against wind and hurricane damage. Your Statewide Insurance agent can assist you with that information. All estimates are based on what is currently available by Security First Insurance Company.

Florida Homeowner’s Insurance Rate Quotes

You will find that Florida home insurance rate quotes vary greatly. A lot of Florida homeowner’s insurance companies suffered catastrophic losses in 2004 and 2005. Those Florida insurance companies that survived have had to increase premiums to make up for those devastating losses and once again build there reserves in case another catastrophe occurs. There are also new Florida homeowner’s insurance companies getting their authority to write insurance in the state of Florida every day. These companies are offering very competitive rates because their losses are minimal at this point in their short business life. These companies also know that if there is a catastrophe and they cannot pay their claims the state of Florida has a guarantee fund in place to pay the claims if the company exhausts all of their means. The Florida Guarantee Fund only backs those companies that have been “admitted” by the state of Florida, so make sure you check with your agent on this. These companies are popping up all over the state of Florida and tend to have better rates in the areas they are most familiar with so shopping around will save you money. Having one of our agents compare the rates of these companies for you will save you time.

Get A Florida Homeowner’s Insurance Quote Comparison

Visit our secure Homeowner’s Insurance Quote Page to get a Florida home insurance quote comparison from top rated Florida insurance companies. We are a Florida based insurance agency that continually monitors Florida’s insurance market for the best home insurance companies. Input your information once at our secure Homeowner’s Insurance Quote Page and we can quote it with all of our carrier’s in one easy step. We will email, fax, or call with your quote comparison, normally within 24 business hours. It’s the easiest way to get quotes from multiple companies online.

Florida Homeowner’s Insurance Coverages

Florida homeowner’s insurance coverage starts with the amount of coverage you require to cover the dwelling you own. Florida asks homeowner’s insurance companies to insure the homes on their books for the amount it would cost to rebuild the home to today’s codes and standards. This causes confusion for some consumers that only want to insure the home for what they think it is worth. There is usually always a difference between the market value of a home and the replacement value. The insurance companies are mandated to insure for the replacement cost. Make sure you review this with your agent and the replacement cost is included in your policy. Florida Homeowner’s Insurance Additional Coverage The additional coverages included on your Florida homeowner’s insurance policy are other structures which is typically figured at 10% of what you insure your home for. This covers any structures that are not attached to your home (i.e. shed, detached garage, etc.). Contents coverage is also included normally at 50% of the homes replacement value. Contents include all of your personal belongings and appliances. Make sure your contents coverage includes replacement cost also, otherwise all of your belongings will be depreciated in the event of a claim. Loss of use is also normally figured at 10% of the dwelling amount and covers expenses you may incur if you have a claim that requires you to find somewhere else to stay while the home is being repaired. Medical payments, generally $5,000, pays if a guest is injured at your home and requires medical attention. Personal liability pays for property damage or bodily injury where you are held liable. The limits for personal liability start at $100,000 and generally go up to $300,000. If you need more liability coverage to protect assets of greater value excess liability can be purchased under a separate policy for as much as you want. Be sure to discuss this with your agent as the liability claims attribute to the higher value of claims paid in a single event.

Florida Homeowner’s Insurance Optional Coverages

Optional coverages can include screened porches as some companies are no longer covering this under their standard coverage. Also, sinkhole coverage is being excluded by a lot of companies, and offered as an option now. Flood Insurance is not covered under your homeowner’s insurance policy and should be considered as the entire state of Florida is in some designated flood zone. Your homeowner’s insurance policy also limits the amount of coverage for electronics, jewelry, artwork, furs, collectibles, etc. If you own anything of substantial value be sure to discuss this with your agent.

Florida Homeowner’s Insurance Companies

We represent and compare rates of top rated insurance companies in Florida. Safe Harbor, American Traditions, Security First, and many more.

Florida Boat Insurance Coverage Area

We are licensed to write insurance throughout the state of Florida including but not limited to Jacksonville, Miami, Tampa, St. Petersburg, Orlando, Tallahassee, Cape Coral, and Pembroke Pines.