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Home Insurance in Florida : Real Estate Advice

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Activity 345
Wed Feb 14, 2018
Bdfoster53 asked:
I'm the sole beneficiary. Federated National notified me today cancelled the policy retro to January 6th, premiums paid thru May, will issue refund. I need homeowners insurance while property…
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Fri Feb 2, 2018
Kathy Burgreen answered:
Start calling and get quotes first. Do not sign anything until you receive several quotes.
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Fri Feb 2, 2018
Kathy Burgreen answered:
If your parents switched insurance companies, they would have had to make a payment and sign a policy. Go thru their bank statement and look for a payment to a new insurance company.
My condolences for your loss. ... more
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Tue Jan 23, 2018
Mark LeMenager answered:
The only way to answer this is to actually read the coverage summary from the condo association. My guess would be hurricane yes and flood no. Assuming you are using finance, your lender will want to see the master insurance policy. ... more
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Sat Jan 6, 2018
Smorris3826 answered:
single family residence in Coral Springs, Florida (the windings) Approximate cost of homeowners insurance.
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Sat Dec 23, 2017
Kathy Burgreen answered:
No you can't. Insurance companies will check and if the name doesn't match what is on the deed, the insurance company will not pay you if anything should happen. If you are a tenant, there is renters insurance which you can buy. ... more
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Fri Oct 6, 2017
Angelanna401 answered:
you can approach American Integrity as they are specialized in manufactured home insurance in Florida.
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Mon Sep 25, 2017
Shutchinson1952 asked:
Sat Sep 9, 2017
Tootsieota asked:
Tue Aug 15, 2017
Tom Priester answered:

Windstorm coverage is important to understand as it is expensive and deductibles can shift much of the burden back on the homeowner. Many people who do not have a mortgage choose to not carry wind coverage but it is a risk/reward situation that every homeowner needs to evaluate.

If you have a mortgage you have no option as windstorm coverage will typically be required by your lender. We always advise our clients to seek three proposals and ensure they fully understand the coverage and the costs involved. So much depends on when your home was built, or storm protection installed. You will find that unless all openings are covered with up to date wind protection you will not be getting the best discounts. Think of your home as a steel chain. That chain is only as strong as the weakest link and if the garage door does not meet code then it weakens the ability of your home to weather a bad storm.

Impact garage doors are not that expensive and I would advise getting three quotes, evaluating the expense of putting in a new door and the reduction it may make in your windstorm policy. Only then can you make a fully educated decision.

Best of luck and stay safe.........

Tom Priester
Principal Broker
Paradise Sharks Real Estate
... more
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Thu Aug 3, 2017
Suzanne Slaton asked:
If I purchase a home in Fort Walton Beach, FL will I need to carry Flood Ins.?
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Thu Jul 20, 2017
Aavellino asked:
Tue Jul 11, 2017
Kemarx asked:
We are looking to purchase near West Palm Beach, near the intracoastal. Trying to find out about average flood insurance costs.
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