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11 Now is the time to get a quote on homeowners insurance

Florida Homeowners Insurance No Comments

Home. It’s your safe haven. It’s where you raise your family and create memories that last a lifetime. L and C Insurance providers can help you protect this prized possession with homeowners insurance that fits your priorities and your budget.

When you’re confident you have the coverage you need to help protect your home and personal belongings, you can focus on those little moments that matter. Getting a home insurance quote today is quick and easy.

What is Home Insurance?

Homeowners insurance can help protect you from the unexpected. If your home is damaged, your belongings are stolen or someone gets injured on your property, it can help cover repairs or replacement, temporary housing, legal fees and more.

Why Do I Need a Homeowners Policy?

A homeowners policy is recommended for anyone who owns a home or condo and may even be required by your mortgage lender. You will need separate coverage to help protect your home and personal belongings against damage due to floods or earthquakes.

If the unexpected happens, home insurance can help you restore your life back to normal.

What Does Homeowners Insurance Cover?

A L and C Insurance representative can help you determine the homeowners coverage that best fits your needs and budget, but a typical policy can cover:

  • The structure of your home
  • Other structures on your property (e.g. garage, shed)
  • Your personal belongings
  • Additional living expenses if you cannot live in your home due to a covered loss
  • Your personal liability or legal fees
  • Limited valuable items (extra coverage can usually be added)

Be sure to explore options to customize your limits and coverages to meet your needs. Your homeowners insurance policy includes coverages in the following categories to help ensure your home and assets are appropriately protected.

Dwelling Coverage

Dwelling coverage can help pay to repair or rebuild your house if it’s damaged by a covered cause of loss. Some examples of the types of risks that may be covered include:

  • House fires
  • Severe weather
  • Damage from plumbing or appliance leaks
  • Vandalism/theft

Personal Property Coverage

Personal property coverage can pay you for the personal items in your home that may be damaged or destroyed by a covered cause of loss, which could include:

  • Your furniture
  • Clothes
  • Sporting goods
  • Electronics

Personal Liability Coverage

Liability coverage can help protect you in the event of a claim and can provide a defense in the event of a lawsuit if you or a family member in your household is responsible for causing bodily injury or property damage to others.

Ways to Save on Homeowners Insurance

You could save on your home insurance with a multi-policy and loss-free discounts. You may also save if your home is equipped with qualified smart home technology, security and fire protective devices. There are several insurance discounts you can consider when you explore homeowners insurance coverage to meet your individual needs. Consider the following opportunities for saving on your home insurance.

Multi-Policy Discount

With L and C Insurance Providers, when you have three policies with us, you can save up to 27% on home insurance. These can include auto, umbrella, boat, personal articles floater or Flood Insurance.

Protective Device Discount

You can save by having devices such as:

  • Automatic water shut-off systems
  • Smoke detectors and fire alarms
  • Interior sprinkler systems
  • Home security systems
  • Smart or connected home technology that alerts you when a fire, water or burglar event is occurring

Early Quote Discount

You can save up to 10% when you shop early for your policy, depending on how far in advance you shop.

How to Get A Homeowners Insurance Quote

To get an accurate homeowners quote from L and C Insurance Providers, you’ll need a few pieces of information, including:

  • Your home’s features. We’ll ask for details such as when were your roof and utilities last updated, and what type of construction your home is.
  • The way you use the home. We’ll need to know if it is your primary home, or a secondary or rental home.
  • Your current homeowners insurance coverage. We’ll get a better insight into your insurance needs when you share your current provider information and how long you’ve been insured.

These details will help us find the homeowners insurance policy that best fits your needs.

 

11 Get a homeowners insurance quote online

Florida Homeowners Insurance No Comments

Caring for your home and loved ones is crucial. That’s why we offer homeowners insurance you can depend on. From dwelling coverage to personal property protection, we provide homeowners insurance policies to suit your needs and budget. Homeowners’ policies cover:

  • Dwelling – Coverage that protects the structure of the home (roof, walls, wall-to-wall carpeting, etc.)
  • Other structures –  Coverage for sheds, detached garages and other structures not connected to the main dwelling itself
  • Personal property – Coverage for personal items (clothing, furniture, appliances, computers, etc.) on and off the premises
  • Loss of use – Coverage for when an insured has to move out of the home while repairs are made as a result of damage caused by a covered loss

Home insurance can also be used as a means of financial protection. If someone sues after being injured on your property, proper home insurance limits can ensure you won’t be paying their legal fees from your pocket.

We also offer insurance policies for owners of second homes and vacation homes. This way, you, your family and your guests are protected wherever you go.

Homeowners insurance and financial standing

If you own a home and have a mortgage, your lien holder (the bank who is invested in your loan) will likely require you to carry insurance on your home. We often partner with banks to allow members to combine their insurance payments and monthly mortgage bill. This is called escrow. Your agent will be happy to review the details with you.

The average cost of home insurance in Florida is $1,727 per year.

You could save $1,000 or more by comparing quotes from multiple companies.

To find the best homeowners insurance in Florida, we reviewed major insurers and collected thousands of Florida quotes. Progressive ASI offered the cheapest rates, but we recommend homeowners also compare service and coverage from different home insurers to find the best coverage in Florida.

The cheapest home insurance companies in Florida

We surveyed 14 of the largest homeowners insurance companies in Florida in order to find the companies with the best rates. In our research, we collected quotes for a home with $214,000 of dwelling coverage — the median value of an owner-occupied home in Florida — for every ZIP code in the state.

We found a surprising range of premiums. The cheapest Florida home insurance companies offered rates well under $1,000 per year — $519 at Univeral North America  and $717 At Progressive ASI

What risks do homeowners face in Florida?

Florida’s position on the Gulf Coast leaves it vulnerable to several major insurance perils, resulting in the highest homeowners insurance costs in the nation. If you live in Florida, we recommend insuring against the most common and expensive perils when buying home insurance.

Wind damage

High winds caused by storms and hurricanes are one of the most frequent and costly causes of property damage in Florida. Fortunately, wind damage is almost always covered by any homeowners insurance policy. However, some coastal homes that are especially susceptible to wind damage may need to purchase a special wind endorsement.

The good news is that state law requires insurers to offer discounts for homeowners who purchase and pass an optional wind mitigation inspection. You’ll receive a list of ways to reduce your home’s risk of storm damage, and if you pass, you’ll get a home insurance discount that more than makes up for the inspection cost.