Entries by Responsive
IoT Devices & Sensors for Homeowners Insurance
If you’re a homeowner, then you’re aware that it can be complicated to make sure your home is protected. If you’ve ever worried about your home being secure and free from damage, then you should consider purchasing technology that could provide you with peace of mind. Not only do the right devices and sensors provide […]
Florida Flood Zone Explained
Flooding is the number one natural disaster in the United States. A recent study has found that 15 million US homes are at risk of flooding – 70% more than previously thought. However, this figure did not come as a surprise to everyone. Home insurance companies exclude flood damage in their policies because the costs […]
A Guide To Homeowner Insurance In Florida
Florida law does not require homeowners to have homeowner insurance. However, in a state where there is an average of one to two hurricanes every year and countless storms – proper coverage may be something you find yourself very grateful to have. And if you have a mortgage, your lender likely WILL require you to […]
Does Flood Insurance Cover Detached Structures?
One of the most common topics of conversation regarding Florida insurance is flood insurance. Since flooding is a major threat in Florida, it is important to have all the facts when it comes to protecting your investment. An important consideration is regarding detached structures on the homeowner’s property. Let us take a closer look specifically […]
What is the Average Cost of Home Insurance in Naples, FL
We insure a lot of homes in South Florida. Recently, average home insurance costs have trended sharply upwards. It is not uncommon for even average sized homes to cost $2800-$3500 per year or more to insure for home insurance, not including the cost of flood insurance. The costs of everyone’s home insurance varies, so to […]
How Much Is Hurricane Insurance in Florida?
If you are a homeowner in Florida, chances are you will encounter a hurricane during the time that you live here. Most of the time, home insurance policies in Florida include hurricane coverage, subject to a separate, specific hurricane deductible. Exemptions occur for homes on barriers islands or in the “wind pool” that may require […]
What Are Hurricane Deductibles & How Are They Calculated?
What Are Hurricane Deductibles & How Are They Calculated? An insurance deductible is the amount the policyholder agrees to pay before the insurance company pays for a loss. In short, it’s the amount of responsibility a policyholder agrees to take on for what they’re insuring. While deductibles are available for most insurance policies, they aren’t […]
Standard Homeowner Insurance Policy Explained
What does a typical Homeowner policy cover? Homeowner insurance, otherwise known as home insurance or an HO-3 policy (as one common version of home insurance coverage), is an important coverage to consider and understand. Its purpose is to financially protect homeowners in the case of damage from covered perils. While the specifics of home insurance […]
How Much Should You Expect To Pay For Flood Insurance in Florida
The cost of flood insurance in Florida can vary greatly depending on several factors. Let’s take a closer look at how much you should expect to pay for flood insurance in Florida. Flood Zones FEMA is responsible for identifying and assigning flood zones in Florida as well as other states in the United States. Depending […]
