1639 Cape Coral Pkwy E. Suite 203 Cape Coral, FL

 

Phone: (239)549-5420
Fax: (239)549-7905
Email: dave@integratedinsfl.com

 
 
 
 
 
 

 



 

Homeowners Insurance

<<back

Florida homeowners face specific issues from weather-related damage common in the state. The state can be affected by hurricanes that develop in both the Gulf of Mexico and the Atlantic Ocean. Additionally, tornadoes can be relatively common, as are strong storms including thunder, lightning and hail. For all of those reasons, insuring a home in the state of Florida can be a daunting task. .

 

 

Florida Homeowner’s Insurance policy is designed to cover the structure of your home, and includes protection for various kinds of Personal Property as well as Liability coverage.

 

Home Insurance Coverage - What Is Covered

Standard home insurance coverage policies provide the following types of coverage, up to the limits outlined in the policies:

  • Dwelling - Pays for damage or destruction to your house and any unattached structures and buildings. Examples include fences, attached garage, or patio cover.
  • Personal Property - Covers the contents of your house, including furniture, clothing and appliances, if they are stolen, damaged, or destroyed.
  • Liability - Protects you against financial loss if you are sued and found legally responsible for someone else's injury or property damage.
  • Medical Payments - Covers medical bills for person(s) injured on your property.

Loss of Use - Pays for additional living expenses if your home is uninhabitable due to a covered loss. Most standard Florida Homeowners Insurance policies pay 10% to 20% of the amount of your Dwelling coverage.

 

What factors can affect Florida Homeowners Insurance premiums?

Home Features and Characteristics - The age of your home, type of structure, wiring, roof, garage, etc., can affect your Florida Homeowners Insurance premium. Older homes can often cost more to insure, and those costs can differ depending on whether your home is brick, frame, stone or has synthetic siding.

Location - Where your home is located can change your Florida Homeowners Insurance premium. For example, your home insurance rate can be affected if your home is in close to a fire station; is exposed to extreme weather, such as hurricanes, tornadoes or earthquakes; or is in a neighborhood more prone to theft.

Protective Devices - Burglar alarm systems, smoke detectors, fire extinguishers, sprinkler systems and deadbolt locks can lower your Florida Homeowners Insurance premium.

Personal Factors - What you do can affect your Florida Homeowners Insurance premium, too. For instance, smokers may pay more for home insurance than nonsmokers. A good credit history also can lower what you pay for home insurance.

Claims History - If you have a history of claims on a Florida Homeowners Insurance policy, you may pay a higher premium.

<<back