It’s good to have Florida Homeowner Insurance

to purchase.   Get a reference or recommendation from friends or neighbors first.  It’s smart to gather some quotes for some rates from competitors, just so you know you’re not being gouged.   Once you purchase, it’s also a good idea to go over your policy every now and then just to make sure it’s still covering what you need when you need it most.  It’s important to understand that there is no basic home owner’s policy that covers anyone from floods, so you have to really consider whether you should add that coverage and if you’re anywhere near the water, which most of Florida is, then it’s a smart move to do so.

Knowing that some Florida homeowner insurance policies might cover only structures, you should make sure that yours covers the contents too.   It’s rare to find one that only covers one and not the other, but it’s good to be sure.   You should also know what is covered and how much is covered before signing anything.   Be sure you understand the limits, the rates and exactly what is what is not covered and also what is excluded from being covered.   It’s confusing to purchase insurance, so don’t be shy to ask as many questions upfront as possible.   You need to know what the different is between a replacement cost and measuring what the actual cash value would be for either the structure or the contents.   Then there’s the concept of market value versus replacement value, knowing about these is good going in.  Being sure about how to