Things You Should Know Before Choosing Florida Property Insurance

When it comes time to purchase property insurance in Florida, it can be a rather stressful decision.  However, if you take the time to understand what the different coverages mean, as well as which options work best for your situation, you can choose the best coverages and pricing for your needs.  The following are coverages that are available, and how important they are for your property insurance policy.

Structure Insurance

This type of coverage covers the costs associated with repairs that might be required, as well as the costs to completely rebuild your home in the event of a total loss.  Many companies use different methods to determine these costs according to, so it is important that you understand this coverage.  You need to make sure that the coverage amounts are based on the actual cost of rebuilding your home now, rather than its market value to ensure that you have enough coverage.

Personal Property

Another important aspect of property insurance in Florida is personal property coverage.  These coverages cover the cost of replacing the contents of your home if they are damaged.  These coverage amounts can vary greatly, with some companies only providing coverage that will cover the original cost of your belongings, rather than the amount that it will take to replace them at the current rates for new items.  Make sure that you take the time to verify this to ensure that you choose a coverage amount that will truly cover your belongings.

Guest Medical Coverage

There are many ways that someone can be injured on your property, and you are liable for the costs associated with them.  For example, someone can trip over a branch, fall on the stairs, or even step in a hole.  If they are injured, guest homeowners coverage on your property insurance in Florida will help pay the medical costs so that you do not have to pay them out of your own property.

Is Flooding Covered?

Flood insurance in Florida from is one of the most important property insurance coverages, especially if you live near the coast.  However, this type of insurance is not included in basic homeowners’ policies.  Instead, you will need to purchase separate flood insurance to make sure that your home is covered.  Many insurance companies provide water damage coverage as part of their base policy, but this is not the same as flood insurance. 

Water damage policies cover damages that result from backed up sewers and drains, or due to an overflowing sump pump.  Flood coverage covers the damages that result from flash floods or strong storms.  One inch of water can cause significant damage, and it is possible to experience flooding no matter how close you are to a body of water.  For this reason, you need to make sure you are protected.

Property insurance in Florida from will not be a difficult process.  Making sure you understand the coverages will ensure that you know exactly what you need to protect your home and finances.

How to Score a Perfect Florida Auto Insurance Policy

Driving in Florida is an experience like no other.  Unless you live in one of the major cities (think Miami or Tampa), traffic jams tend to be more of a slight nuisance than major inconvenience.  You can find yourself stuck on a beach road, waiting for the bridge to finally go down after letting the sail boats through, or wondering if everyone has forgotten how to drive on a rainy afternoon. 

As you travel through the central part of the state, you may find yourself surrounded by dairy cows and citrus groves and stuck behind a truck filled to capacity with oranges or grapefruit.  With such a diverse driving landscape, the hazards to drivers (and their cars) are numerous.  It is important to have a current Florida auto insurance policy from someone like to protect you, your car, and others who may be riding with you. 

Finding a Florida auto insurance policy can be as easy as logging onto the internet.  A simple search will provide you with dozens of options for insurance policies – it will just take a bit of research and time to find the perfect plan for you.  A good way to start is to simply ask your friends and family about their auto insurance company. 

Find out what company they use, and how happy they are with their insurance experience.  Do a search for the top companies and request a rate quote online.  Select the top half dozen companies, and follow up with phone calls to the agent to narrow down your choices. 

Questions to Ask Agents

Types of Plans

According to, insurance companies will offer discounts for plans that are bundled – inquire about discounts for purchasing your auto insurance along with another policy type. By using one company for all your insurance needs, you can not only save money, but it lets you establish a relationship between yourself and the agent. 

Claim Process

Ask the agent about the process for filing an automobile insurance claim.  Do you upload pictures of damage to a website? Does an agent need to personally see the car for an estimation of damage? Can you use any repair shop you choose or must you use a shop that they designate? Finding out the process for claims may be the deciding factor in selecting a Florida auto insurance policy. 


Discuss with potential agents the possibility of discounts.  Do they discount policies for plans that are paid in full? Are there rewards for being a safe driver and for being accident free? If you maintain your policy with them for several years, are you given a discount?

Plan Benefits

An agent with will be able to give you specific information about what the benefits of each plan are.  You can make choices about having a lower deductible, adding car rental insurance or other options that will change the overall price of the plan, but can be customized to meet your specific needs.  If your car is financed through a bank, you will need to check with the bank to find out the specific coverage limits that they require making sure that you carry an adequate amount of coverage. 

It is important to stay safe while driving on the roads of Florida.  Protect yourself and those around you by making sure you have a Florida auto insurance policy.  You will be glad you did!

Where Can I Collect Florida Insurance Quotes?

Shopping online for Florida insurance quotes can be quite overwhelming. Once you stop and think about it. There are so many options when it comes to collecting quotes. For example, you can collect quotes from each company website one by one, or you can decide to collect what you need from!

Let’s face it, there is nothing worse than wasting an entire day collecting quotes and trying to find out which companies write policies in your area. Who wants to spend their day off like that? Why not hit the easy button for this process?

I’m sure you are wondering what’s so great about  Well, they can provide you with the cheapest insurance coverage in your area! In fact, they know all the specialist companies that offer the cheapest stripped down insurance along with the best value policies that can provide you with enough coverage in the event of a disaster.

While there are a lot of other quote generator websites out there, that doesn’t mean that they are all reliable and trustworthy. When it comes to collecting quotes, you will always want to collect accurate ones. Accuracy is key when it comes time to purchase your Florida insurance policy.

Florida Insurance Quotes is a trustworthy quote generator website. In fact, they can provide you with multiple Florida insurance quotes from all the best companies out there. There’s absolutely no guesswork, they provide you with all the resources you need and help answer any questions you may have.

Why waste all your time shopping around google aimlessly? If you want a time efficient, reliable, and safe method of shopping around for Florida insurance quotes, look no further. So let’s discuss what types of policies they offer customers. Policies offered at are auto, homeowners, health, life, motorcycle, business, RV, and more!  

In fact, this website is Florida’s #1 website for insurance. Here is how you can started. First, head on over to Next, determine which type of coverage you want to shop for. Then, fill out their helpful form, so you can receive your instant Florida insurance quote online!