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Homeowner's Policy Coverages

A Florida Homeowner's Insurance policy is designed to cover the structure of your home, and includes protection for various kinds of Personal Property as well as Liability coverage. Want to know more? Give us a call at 888-478-7801 to speak to a local agent.

Home Insurance Coverage — What Is Covered

Standard home insurance coverage policies provide the following types of coverage, up to the limits outlined in the policies:

  • Dwelling — Pays for damage or destruction to your house and any unattached structures and buildings. Examples include fences, attached garage, or patio cover.
  • Personal Property — Covers the contents of your house, including furniture, clothing and appliances, if they are stolen, damaged, or destroyed.
  • Liability — Protects you against financial loss if you are sued and found legally responsible for someone else's injury or property damage.
  • Medical Payments — Covers medical bills for person(s) injured on your property.
  • Loss of Use — Pays for additional living expenses if your home is uninhabitable due to a covered loss. Most standard Florida Homeowner's Insurance policies pay 10% to 20% of the amount of your Dwelling coverage.

Does my policy cover hurricane damage?

Yes, your homeowner’s insurance policy will cover damages cause by windstorms. The deductible for hurricane damage can range from 2% to 10% of the insured value of the dwelling depending on the policy.
NOTE: Hurricane damage is normally covered, but may be rejected in certain situations.

What does the hurricane deductible mean?

This is the amount that you, the policyholder, will have to pay out of pocket. For example, if your home is insured for $250,000 with a 2% wind deductible and has hurricane damages of $50,000.
The amount of the deductible will be 2% X $250,000 = 5,000.

The remaining amount ($45,000) would be paid by the insurance policy. What factors can affect Florida Homeowner's Insurance premiums?

Home Features and Characteristics — The age of your home, type of structure, wiring, roof, garage, etc., can affect your Florida Homeowner's Insurance premium. Older homes can often cost more to insure, and those costs can differ depending on whether your home is brick, frame, stone or has synthetic siding.

Location — Where your home is located can change your Florida Homeowner's Insurance premium. For example, your home insurance rate can be affected if your home is in close to a fire station; is exposed to extreme weather, such as hurricanes, tornadoes or earthquakes; or is in a neighborhood more prone to theft.

Protective Devices — Burglar alarm systems, smoke detectors, fire extinguishers, sprinkler systems and deadbolt locks can lower your Florida Homeowner's Insurance premium.

Personal Factors — What you do can affect your Florida Homeowner's Insurance premium, too. For instance, smokers may pay more for home insurance than nonsmokers. A good credit history also can lower what you pay for home insurance.

Claims History — If you have a history of claims on a Florida Homeowner's Insurance policy, you may pay a higher premium.

Discounts and Special Programs

There are many discounts are available on Florida Homeowner's Insurance policies. For example, you may qualify for a discount if your home has an updated roof, a monitored alarm system, hurricane shutters or impact windows in Florida.

Payment Options

In many instances your Florida Homeowner's Insurance policy can be escrowed in with your mortgage. However, if you need to pay separately, many carriers now offer several convenient payment options.

Does my policy cover floods?

The fact is that Florida homeowner insurance does not cover damage caused by flood, and federal disaster assistance is only offered when the president declares a major disaster (which only happens in 50% of flooding situations).

Unfortunately, most people do not find this out until it is too late. However, flood insurance is available to protect homes and businesses and their contents in communities that participate in the National Flood Insurance Program.

Simply call 888-478-7801 or complete our online quote request form. A GreatFlorida Home Insurance Agent will help you find the best deal for you.

Get a Quote Online
Call 888-478-7801

About Homeowner's Insurance in Florida

GreatFlorida Insurance agents can easily explain the specific needs of your home in Florida. Along with mortgage requirements and the difference between dwelling, personal property, liability, medical payments and loss of use coverage as well as available discounts.

Get a Free Insurance Quote from your local GreatFlorida Insurance agent. They will help you find the most affordable options.

Your home is likely your most costly asset. It contains your belongings and valuables and more importantly your family and cherished memories.

After the overwhelming task of finding a new home in Florida, it can be tempting to settle by purchasing a basic homeowner’s insurance policy that could leave you with inadequate coverage or paying for more coverage than you need.

GreatFlorida Insurance in Florida will make sure your homeowner’s insurance policy will provide adequate coverage to protect your home from fires, hurricanes, break-ins and more. Compensation for your financial loss will allow you and your family to continue living comfortably.

Homeowners Insurance Florida Blog
by GreatFlorida Insurance
6/19/2019

“Several popular food items have been recalled over the past month,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent health insurance agency.

The following are a list of the food products to check.

The Sprouts Farmers Market grocery chain is recalling conventional and organic frozen spinach manufactured by National Frozen Foods. Food Safety News reports the recalled bags were shipped to retailers in 19 states including Florida. A random sample tested positive for Listeria. The contaminated bags have a, “Use By Date” of 12/3/21.

The U.S. Food and Drug Administration (FDA) released a public health alert, warning consumers that several frozen berry products manufactured by Townsend Farms Inc. were found contaminated with Hepatitis A. Among the products in question are frozen berries from Kroger and Costco.

  • Kroger: Private Selection Frozen Triple Berry Medley, 16 and 48 oz. and Private Selection Blackberries 16 oz.
  • Costco: Kirkland Signature Brand Three Berry Blend

“Bakers beware of an ongoing flour recall,” warns Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent health insurance agency.

Three flour brands including Pillsbury, King Arthur and ALDI have been recalled after the FDA discovered an ongoing E. coli outbreak tied to Archer Daniels Midland Co. Seventeen reported cases of the Shiga toxin-producing E. coli infections have been reported with three hospitalizations, according to the Centers for Disease Control and Prevention (CDC).

  • Pillsbury Best Bread Flour 5-pound bag
  • King Arthur Unbleached All Purpose Flour 5-pound bag
  • ALDI Baker’s Corner All Purpose Flour 5-pound bag

Ragu recalls three flavors of pasta sauce. The company that makes it, Mizkan America Inc. reports they may contain plastic fragments. The products in question are listed below.

  • Ragu Chunky Tomato Garlic & Onion, 45 & 66 oz.
  • Ragu Old World Style Traditional, 66 oz.
  • Ragu Old World Style Meat, 66 oz.

If you are in possession of any of the following tainted food items, click on the links in the article for more detailed information. You can also return them to the store for a refund and toss them out immediately.

GreatFlorida Insurance wants to keep you safe by keeping you informed. We offer dependable health insurance options through Florida Blue, Blue Cross Blue Shield of Florida. Give us a call today.

The post Check Your Food Pantry and Freezer appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
6/12/2019

Lightning is wreaking havoc in Florida. In the past week, lightning struck and killed two giraffes at the Lion County Safari in Loxahatchee. As if that was not unusual enough, a motorcyclist was struck and killed on his bike, while driving on I-95, in Volusia County.

“Lightning is such a common occurrence in Florida we often dismiss its dangers” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent motorcycle insurance agency.

Motorcyclist are especially vulnerable to lightning strikes because they lack the protection of a car’s metal shell, reports The National Lightning Safety Council, John Jensenius. It is a common misconception that the rubber on the tires of the bike will keep you safe.

Jensenius was also quick to debunk another myth, that a motorcyclist can outrun lightning, if you are traveling fast enough you cannot be struck. However, lightning travels too quickly to be outrun by humans.

The Weather Channel reports the motorcyclist who died in Florida is the 12th person killed in a motorcycle-related lighting death in the U.S. since 2006.

Lightning kills and injures more people in Florida than any other state. The Red Cross reports, more people are killed every year by lightning strikes, than tornadoes and hurricanes. Thunderstorms produce lightning along with damaging winds and heavy rain that can cause flooding.

The National Oceanic and Atmospheric Administration (NOAA) estimates, 25 million cloud-to-ground lightning flashes in the U. S. every year. Lightning can strike more than 10 miles from where it is raining. If you hear thunder, lightning is close enough to pose a threat.

All thunderstorms produce lightning. Lightning strikes cause horrific injuries. Being struck can cause burns, serious lifelong pain and permanent neurological disabilities, as well as cardiac arrest and death.

“Every year claims for lightning losses total in the hundreds of millions, reports Buck with GreatFlorida Insurance, Florida’s top independent motorcycle insurance agency.

Some safety tips to heed during a thunderstorm are listed below.

When thunder roars, go indoors. There is no safe place outside during a thunderstorm. If you are in the water, get out immediately. Avoid open structures such as gazebos, porches and baseball dugouts.

Lightning tends to strike the tallest object in the area and you do not want that to be you. If you are caught in an open area, such as a golf course or ball field, the Centers for Disease Control and Prevention (CDC) recommends you crouch down into a ball position, with your feet and knees together with your head tucked and your hands over your ears. The idea is to get low without touching the ground. Lightning causes electric currents along the top of the ground that can be deadly from over 100 feet away.

If you are in a group spread out from one another to reduce the number of injuries if lighting strikes the ground.

Wait to go outside for 30 minutes after you hear the last thunderclap.

Someone who is struck does not carry and electrical charge and requires medical attention immediately.

Don’t let a storm rob you. GreatFlorida Insurance provides top notch motorcycle insurance to fit your budget. Give us a call today.

The post Lightning Striking Again appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
6/4/2019

The National Flood Insurance Program (NFIP), has received another extension until the end of September. This gives lawmakers more time to work on a bi-partisan deal on how to reform the program which is billions of dollars in debt. The NFIP provides flood insurance to more than 5 million policy holders across the country.

“While the solution is temporary, we are glad to see the NFIP extension in place with hurricane season upon us,” says Ellsworth Buck, Vice President of GreatFlorida Insurance.

The extension is part of a $19.1 billion disaster aid bill, with $1.5 billion going toward the rebuilding of Tyndall Air Force Base, after hurricane Michael. Plus, millions will go to Florida farmers for agriculture recovery in the state. The package also includes $900 million to Puerto Rico for hurricane recovery efforts.

Since its formation in 1968, the NFIP had covered its losses. However, damages from hurricanes Katrina, Rita and Wilma have overwhelmed the fund, forcing Congress to cover billions in payments to those with insured properties.

Frustration is growing from lawmakers and outside groups, at the lack of progress toward a more viable solution. “After eleven short-term extensions, communities and residents at risk deserve certainty and stability,” says SmarterSafer.org, a national group that favors risk-priced flood insurance.

Solutions for reform include, increasing flood insurance rates, more resilient home construction along the coast, improved residential building codes, better flood maps and more coverage from the private insurance market.

“We would really like to see lawmakers come up with a sustainable long-term extension or reform for the program,” says Buck with GreatFlorida Insurance.

Lawmakers have until September 30 of this year to come up with an agreement or they will have to pass another short-term extension of the National Flood Insurance Program.

GreatFlorida Insurance provides flood insurance through the National Flood Insurance Policy. Visit us online today.

The post Extension on flood insurance program appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
5/22/2019

Memorial Day this year is Monday, May 27. It’s time to fire up the grill and hang your American flag. Memorial Day is an American holiday, observed on the last Monday of May. It honors the men and women who died while serving in the U.S. military.

“Take a moment to give thanks and remember those who died in service to our country,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent auto insurance agency.

At 3 p.m., people are encouraged to stop for a moment of silence on Memorial Day.

What is opened and what is closed?

Most government offices and some private businesses are closed for Memorial Day. Banks, the U.S. Postal Service, the stock market and schools are closed or not in service. Most UPS and FedEx services are also unavailable that day. Trash pick-up varies, check your local provider. The DMV is closed, and courts are not in session.

Most stores are open on Memorial Day, however, Costco is closed. Good Housekeeping has complied a comprehensive list of retail and grocery stores, along with restaurants and fast food chains that are open.

Travel

Memorial Day also marks the unofficial start of summer and summer travel. AAA predicts this holiday weekend will see the most road-trippers on record with over 37.6 million hitting the road.

“Patience will be required with all the additional drivers on the road,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent auto insurance agency.

INRIX, a global transportation analytics company in collaboration with AAA, predicts drivers will experience the greatest amount of congestion on Thursday, May 23 and Friday, May 24 in the late afternoon as commuters leave work early and mix with holiday travelers. According to AAA, Orlando and Tampa are among the top 10 destinations for travelers to visit this Memorial Day weekend.

Whether your plans are to travel or stay home, GreatFlorida Insurance wishes you and your family an enjoyable holiday weekend! For all your car insurance needs contact us.

The post Memorial Day 2019- What You Should Know appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
5/15/2019

You found your dream home. Now, it is time to conduct your due diligence by getting a home inspection.

A home inspection should not be skipped, it can save a home buyer from potential issues with their new home in the future,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent homeowners insurance agency.

Results from a home inspection could affect the purchase of a home. Florida homeowners are required by law to disclose all known problems that could negatively impact the value of a home to a potential buyer. Requesting an updated Seller’s Property Disclosure Statement is a good start. However, the seller can only disclose problems they are aware of regarding the property. A home inspection can reveal problems the current homeowner might not know about.

Home inspection services should be performed by a licensed home inspector. They are required to provide written reports of the home inspection. The report will contain detailed information on the property and be delivered no longer than a week after the inspection. Florida law requires the inspector to check the following:

Structural components including framing and the foundation of the home

Electrical system including service panels, breakers and fuses

HVAC system equipment and venting

Roof covering including shingles, flashing and skylights

Plumbing systems including pipes, drains, water heating equipment and sump pumps

Interior components including walls, ceilings, floor, windows, doors, stairs and railings

Exterior components including siding, soffit, porches, balconies, walkways, railings and driveways.

As well as site conditions that affect the structure

Keep in mind, home inspections are defined by Florida law as, “a limited visual examination.” While home inspectors cover a lot they do not cover the following unless specified.

Pest control and termites

Swimming pools and hot tubs

Appliances

Alarm systems

Fire and smoke detection and suppression systems

Environmental hazards-asbestos, radon gas, lead paint, toxic mold

Detached structures- docks, garages, sheds

Code compliance

Well systems

Several of these listed are real issues in Florida homes. To check for those, a specialized inspector is required.

“Make sure you hire a state certified home inspector,” recommends Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent homeowners insurance agency.

Your real estate agent, friends and family are great resources to find a dependable home inspector in your area.  Other resources include: American Society of Home Inspectors and Porch.

Make sure you get the adequate homeowners insurance you need with GreatFlorida Insurance. Contact us today.

The post What is and is NOT Included in a Home Inspection appeared first on The GreatFlorida Insurance Blog.