THE RIGHT HOME INSURANCE POLICY FOR YOUR HOME
It's unfortunate, but most home insurance policies are purchased in a rush. Clients often look at them as just another obstacle to closing and attaining keys to that new dream house. That practice was somewhat acceptable in the days when all home insurance companies basically threw in the "kitchen sink" on these policies, as the market was wide open for the big northern companies in Florida. Times have changed dramatically since Hurricane Andrew and a host of other names given to storms, which have devastated Florida in the recent past.
Today, the big three northern companies are actually busier cancelling long-term homeowner clients than writing new business. In fact, several of these insurance giants have all but bailed out of the market, putting a moratorium on new home insurance business. The environment has also been greatly impacted by some home insurance companies offering stripped-down coverage. Some insure pet liability while other don't. Some exclude various coverages, then offer buy-back endorsements, which must be selected by paying an additional premium. Standard liability limits may vary greatly from $100,000 to $500,000. The point is: Know what you are buying!!
At Florida Insurance Xpress, our discovery process is comprehensive. We want to know if you have a pet, which could cause liability on your part. We design your liability limits to be more adequate, based on your assets at risk. We are concerned about Law and Ordinance coverage. In Homestead, Florida, thousands of homes were inadequately insured when Andrew hit because policies covered replacement cost without addressing the issue of meeting new building codes which were better and more expensive than the original materials used in the original structure. Florida Insurance Xpress understands that terms such as "replacement cost" and "full coverage" only give you temporary peace of mind ... UNTIL DISASTER STRIKES!!
What about those precious articles you've collected over the years? The jewelry, silver, stamp and coin collections, guns, furs, etc. These items are limited to no more than $1,000 for theft in all policies. Let us take the time and effort to tailor your home insurance policy to adequately protect these precious items.
Have you responded to the storms by installing storm shutters or taking other measures to properly protect your home? Let us help you find the home insurance companies giving the deepest discounts to those who help themselves.
At Florida Insurance Xpress, our full house of companies plus our professional discovery combine to offer you the home insurance protection tailored for your needs. And ... we do it friendly, fair, and fast.
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OUR COMPANIES
Our large lineup of insurance carriers provides coverage for every home ... small to large, frame to poured cement, country to city and old to new.
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