What Is In A South Florida Homeowner’s Insurance
South Florida homeowner’s insurance policies can have pretty high rates. This is due to the fact that the southern part of the state is prone to severe hurricane and storm damage. Like all kinds of insurance companies, Florida homeowner’s insurance companies don’t like to insurance homes they consider high-risk, and when they do insure those homes they normally do so with expensive premiums. Since you probably don’t want to relocate just to get a cheap homeowner’s insurance quote, you must find other ways to prevent your home from being labeled high-risk.
But how can you keep your home from being labeled high-risk, if you live in a high-risk part of Florida? By safeguarding your home against the damages a hurricane or storm can cause, of course!
Start by taking a look at the structure of your home. This includes your roof, windows, doors, and even your garage. If your roof hasn’t been replaced in a while, you may want to replace it before shopping for a south Florida homeowner’s insurance policy. If your roof doesn’t really need replacing, but you want to make sure it’s wind- and storm-resistant, consider reinforcing the shingles with powerful glue such as a high-quality flooring bonding agent. Reinforce your garage door with steel, or purchase a sturdier one; the same goes for your home’s doors. When it comes to windows, you can splurge for new ones or save money by installing sturdy storm shutters.
Now take a look at your landscaping. Are there any bushes, trees, or other plants that could cause damage if hurled at your home? If so, remove them. This goes for any lawn ornaments or debris in your yard, too.
Finally, take a look around the inside of your home. Large pictures, bookcases, and other types of furniture and decorations should be mounted to the floor or against the wall. Also consider storing all extremely valuable items, such as jewelry, at your bank.