Home & Rental Insurance
Welcome to the Find a Local Homeowners Insurance Agent service. This is a detailed list of everything you own and information related to the cost to replace these items if they were stolen or destroyed by a disaster such as a fire (for more information see How do I take a home inventory and why If you think you need more coverage, contact your agent or insurance company representative and ask for higher limits for your personal possessions.
This means that instead of repairing or replacing features typical of older homes, like plaster walls and wooden floors, with similar materials, the policy will pay for repairs using the standard building materials and construction techniques in use today.
We offer service to Boca Raton FL, Boynton Beach FL, Coconut Creek FL, Coral Gables FL, Coral Springs FL, Dania FL, Deerfield Beach FL, Delray Beach FL, Fort Lauderdale FL, Greenacres FL, Hallandale FL, Hialeah FL, Hollywood FL, Key Biscayne FL, Lake Worth FL, Loxahatchee FL, Margate FL, Miami FL, Miami Beach FL, North Miami Beach FL, North Palm Beach FL, Opa Locka FL, Palm Beach FL, Palm Beach Gardens FL, Pembroke Pines FL, Plantation FL, Pompano Beach FL, Royal Palm Beach FL, Wellington FL, West Palm Beach FL, and surrounding area.
Lynne McChristian, Florida representative for the Insurance Information Institute, recommends hiring an independent appraiser to perform a detailed analysis, or at the very least, speaking with a local builder to find out the approximate rebuilding cost per square foot in your area, then multiplying that by the size of your home.
Private-market insurers, meanwhile, face no such restriction and several with large market share in South Florida — including Heritage Property & Casualty , People's Trust , SafePoint, and Universal — all raised rates 9.9 percent or more for most of their tricounty customers last year.
Additionally, employment practices liability insurance can protect you from high legal costs associated with lawsuits and additional claims from current and past employees. Remember, inflation rates on building materials and construction costs rarely track with real estate values.
Furthermore, the company's customer service is lackluster: it had 33% more complaints registered with the FLOIR than the average Florida Condo Insurance Delray Beach home insurance company. If the limits are too low, consider buying a special personal property floater or an endorsement.
Burglary rates in the state of Florida are much lower than the national average, but the rate in Delray Beach is rather high. Also, identify cost efficient solutions to address the risk of flood damage in the first place. Our sample policy was for a 2,100 square foot home with $214,000 of dwelling coverage built in 1987.
Homeowner's and renter's insurance in Jupiter and Palm Beach Gardens, FL is invaluable to own. Most policies peg contents coverage to a percentage of the overall policy limit. If you have concerns about how your claim was handled, call the Florida Department of Financial Services.