Looking for low cost Homeowners Insurance Rates? We can help.

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Although Florida law does not require homeowners insurance, lending institution will require that you carry full insurance coverage on your home to obtain financing. Homeowners insurance provides basic financial protection from damage to your property and liability for injuries and property damage you or members of your family cause to other people. Homeowner policies may also cover property damage you or members of your family cause to others. A homeowners policy combines coverages for fire, windstorm, theft and liability into one convenient policy. Damage from most perils is covered under your homeowners policy, but there are exceptions. The most significant exclusions are damage caused by water, earthquakes and neglect. You can purchase two separate endorsements to cover damage caused by flood or earthquake. In addition to covering physical damage to your dwelling and its contents, your homeowners policy provides some protection from liability. This includes damages arising from the home itself or the front yard when for example a visitor slips on the sidewalk and falls. Most homeowner policies provide some basic coverage for bodily injury and medical expenses. This coverage can be increased with additional premiums.

Since Florida is a hurricane prone area many insurance companies are reducing their exposure and sending non-renewal notices to their Florida based customers. The problem is more common for those who file a claim. Be cautious about filing small claims against your policy. If your loss exceeds your deductible by less than $500, consider paying out-of-pocket. This may help you avoid being dropped by your insurance company. Further, those who bundle their homeowners insurance with their auto and other policies under the same insurance company are less likely to be dropped by their insurer.

You should ask your agent or the insurance company the following questions as you compare rates:

• How much would I save if I increase my deductible?
• What is not covered?
• Is my coverage replacement cost or repair cost?
• Does coverage include water damage or sewer back-up?
• Does coverage include mold?
• Does the policy cover my jewelry, antiques, or special collections and up to what limits?
• What other special coverages are available?
• What proof do I need in case of a loss?
• What discounts might I be eligible for?

Our customers shop from Jacksonville, Miami, Tampa, St. Petersburg, Orlando, Hialeah, Fort Lauderdale, Tallahassee, Cape Coral, Pembroke Pines, Hollywood, FL and other great cities in the sunshine state to find cheap homeowner insurance from top rated insurance companies.