- Insurance

Affordable Florida Home Owner Insurance

The search for Affordable Florida Home Owner Insurance must begin way before the clear blue sky changes in color and is replaced by dark ominous clouds, an obvious indication that the rain is going to fall. A storm is brewing and Florida has some of the worst. Whether or not there will be any damage of a structural nature is not in question. The problem is do you have home insurance coverage that will allow you to recover from any damage your home and property might sustain from this destructive stormy weather?

Yes, the climate in the state of Florida is great for fun and sun year round. However hurricanes and heavy rains are a part of life and when these weather conditions do occur they leave in their wake massive amounts of damage and ruin to homes and property. This makes finding home owners insurance you can qualify for and afford a challenge, but not impossible.

After devastating storms that hit the state in the recent past some home owners discovered they did not have adequate coverage from their insurance policies. While there where many others with sufficient coverage who saw their premiums skyrocket upon renewal. The aftermath of these natural disasters has regrettably seen many other people unceremoniously dropped by insurers, with many companies abandoning the state all together.

Those homeowners abandoned by their private insurers are turning more and more to the state-created insurer Citizens Property Insurance Corporation (CPIC) even though by law CPIC has to charge higher premiums than private insurers in order to be non-competitive. This insurer of last resort is available to all Florida homeowners that are unable to find suitable coverage in the private sector.

Some think, in error, that there are no longer any affordable Florida home insurance providers. Wrong, they do exist but have to be looked for. This task has been made incredibly simpler by the internet. It is possible to find and compare multiple quotes and providers on line with a little time, time well spent, and the click of a mouse.

By no means is Florida the most dangerous place in the world to live or purchase a property. In some respects it is no more hazardous than anywhere else on the planet. Even so, Florida does have weather related issues which need to be considered at the time of buying a home or condo and taking out homeowner insurance. While the purchase, it will never offer any kind of defense against the elements, it will provide a means of recouping the value of the damage incurred to your home by way of monetary payments. Obviously it is worth it to take the time to find the lowest premiums for the most coverage possible. However many homeowners do not do any research and they either purchase inadequate insurance or pay high premiums without doing any comparison at all.

If the area you live in in Florida is designated “high risk” finding private homeowners insurance may not be easy. But if you use your time wisely online and do some comparison shopping, since almost all insurance companies and agents have websites, you will be pleasantly surprised by what you find and that you qualify for it that won’t break your budget. In some cases you can get quotes instantly or from multiple insurers by filling out one form. It is imperative that your home and property are protected, so be vigilant in your quest to find affordable Florida home owner insurance.