What You Need to Know About Your Florida Property Insurance

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Florida Homeowners Insurance

Homeowners insurance in Florida comes under the umbrella of Florida Property Insurance which makes the whole topic a lot more confusing than it should really be. Of course, the ultimate source of information regarding any insurance topic can only be your local insurance agency and for countless Florida residents, that can only mean LNC Insurance Providers.

Being knowledgeable on the issue of Florida Property Insurance in advance of your calling one of our insurance brokers can of course better assist you in ensuring that you get the best possible coverage at the lowest price. And that is precisely what we aim to provide you.  The very best Florida Homeowners Insurance.

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What Type of Residence Do You Live In?

Florida Homeowners InsuranceIt’s a reasonable assumption that the more expensive a home might be, the move it will cost to repair/rebuild it when tragedy strikes. And thus, Florida Homeowners Insurance costs are largely driven by the type of home you live in. In Florida, homeowners typically live in any the following five types of residences:

Being knowledgeable on the issue of Florida Property Insurance in advance of your calling one of our insurance brokers can of course better assist you in ensuring that you get the best possible coverage at the lowest price. And that is precisely what we aim to provide you.  The very best Florida Homeowners Insurance.

  • Condos
  • Townhomes
  • Traditional Homes
  • Rental Properties
  • Manufactured Homes

Insuring either of the above falls under specific criteria and this is one of the topic of conversation you will have with one of our agents.

Where Do You Live

You’ve heard of the old say: “location, location, location”. And in the case of homeowners’ insurance, this piece of street wisdom has never been more accurate. Florida property insurance coverage, including homeowners’ insurance largely depends on where you live. Living by the ocean has its advantages and if you are lucky enough to live there, then you already know that the Florida coastline is always the landing area for any hurricane that might come our way.

How old is your home

Another logical truth about the cost of homeowners insurance is of course the age of the property you live in. This is particularly true in terms of new building codes that were introduced in the aftermath of hurricane Andrews. The age of the property is one of the factors insurance providers take into consideration.

When was the last time you made a claim?

Much like Florida Car Insurances, repeated claims will greatly impact the cost of insuring your home. As much as we all hate to admit it, insurance providers do take a calculated risk anytime they underwrite a policy, and repeated claims might place your insurance policy on a more expensive bracket.

How is your home built?

Another logical assumption: the type of material used in the building of your home greatly influences property insurance rates in Florida. For example, a fire, damaging as it can be can have a more pronounced effect on wooden homes than on brick houses. The take away from this is that a house build with bricks might significantly lower the property insurance costs.

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