Here at Your Insurance Florida, we do the work for you. The first step we take is to gather all the pertinent information of your home, including square footage, exterior construction, interior flooring, roof shape, upgrades, local construction costs, etc. and put it into a replacement cost calculator to find out exactly what it would cost to replace your home given a total loss. This is what your home would be insured for.
It depends. At Your Insurance Florida, we only provide what they call an HO-3 Special policy, which covers you for all perils. This is the broadest form of protection offered in the state of Florida, and has the best protection for your home. After requesting a quote, our insurance advisor will call and go over all of your specific coverages so you have a strong understanding of what you are being covered for.
It is recommended. Screened enclosures are not covered by default for hurricanes. By endorsing the screened enclosure to the policy, we can guarantee coverage during the event of a hurricane for a minimal annual cost.
No! Many companies do have limitations as to what year a roof must have been replaced in order to qualify for coverage. At Your Insurance Florida, we have options available to cover a home with an older or original roof.
It depends. Any home built in 2002 or after is up to current roofing codes, and having a wind mitigation inspection does not have any additional benefit. However, although it still isn't required for homes built before 2002, it can save a significant amount of money on insurance premiums and is certainly recommended
Getting Homeowner's Insurance in Florida can be a complicated task. With insurance rates sky rocketing, it can be a difficult balance finding quality coverage at an affordable rate. Here at Your Insurance Florida, our small team of licensed insurance agents will work to find you exactly what you need, a quality insurance policy that completely protects your home, but also gives you a rate that can comfortably fit your budget.