The Marcus Group Blog

Owning a home is a huge milestone for many; and for most homeowners, protecting the investment they have made in their property is an important consideration – exactly why securing Florida home insurance is a critical first step. There are a number of significant factors that affect the rate of your premiums when obtaining a home insurance quote.

Some of the factors to consider, while assessing the risk level of your home, include:

• The value and age of your home
• The crime rates in your area
• Security and alarm systems you may have installed to add extra protection
• The amount of the deductible you choose
• Personal information including whether you smoke or own a dog
• The value of your personal possessions

Your homeowners coverage is designed to cover you against common claims such as: theft, damage to the property and your contents as a result of fire, hail, wind and vandalism and some other incidents. Additionally, liability coverage is offered to care for claims if someone is injured while on your property.

Insuring your home should be a priority and discussing your needs with your Florida home insurance representative can help ensure that you are fully covered. It is important that your insurance provider is made aware of all significant risk factors that might affect the rate of your insurance premiums so there is no confusion when it comes to making a claim.

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