Finding Orlando Homeowners Insurance Quotes
There are a lot of insurance companies in Orlando. And so if you're looking through the phone book to compare them, you could be spending a lot of time and becoming really frustrated by the process of obtaining the best price for a policy, not to mention missing out on important information that can affect the price and amount of coverage you receive.
Living in Florida means being aware of perils such as hurricanes and sinkholes, along with those which exist on your property, such as trampolines, swimming pools and even your canine companion. All of these things can change how much you pay for your Orlando homeowners insurance and how well you are covered under the policy you choose.
Why Do You Have To Have Homeowners Insurance?
Actually, in Florida, homeowners insurance is not mandatory, although some communities require their residents to have basic liability insurance. But not having adequate coverage can mean you spend thousands, maybe hundreds of thousands of dollars out of your own pocket in the event that your home is hit by a weather event or a visitor to your home decides to sue you for injuries they sustained on your property. If you don't think you can afford the full costs of home repair and replacement or a lawsuit, then obtaining coverage should be a priority.
Common Coverage Types For Orlando Residents
In order to be certain you're protected against all perils including water damage and theft, the special form HO-3 policy is the one offering the most coverage. This coverage type will protect against the following perils:
In addition to the perils listed above, HO-3 also covers personal liability. This coverage can protect you in the event that someone injures themselves while they are on your property. Since these types of injuries can occur at any time, even to the most careful homeowner, personal liability coverage is valuable to have.
The basic form coverage, also called HO-8, while it will protect you from specific perils such as civil unrest and hail, may not cover you for things like water damage or even theft. Finding out what's excluded from an HO-8 policy usually involves contacting the insurance company, as different exclusions may apply with different companies.
Ensure You're Completely Protected With Extra Coverage
If you read the statistics for Florida, you will see that incidences of dog bites are on the rise. This is a very controversial topic among residents of the Sunshine State. And you should know that many insurance companies have excluded, limited or completely refused coverage to homeowners having a certain breed of dog. But the good news is that there are a number of independent insurance companies which will cover dog liability insurance. Some of the breeds that may be blacklisted by these insurance companies in your area are:
Hurricanes are an unfortunate possibility for Orlando residents. But standard homeowners insurance won't protect you against any damage your home or property incurs as the result of a hurricane. Florida law dictates that all insurance companies in the state must provide applicants with a price for windstorm coverage, which protects against winds of 75 mph or more.
Along with hurricanes and dog bites is the potential for sinkholes. This coverage will ensure that you are protected from this peril much sooner than you would be without; no sinkhole coverage means that you wouldn't be able to see a result from your claim unless your home was declared condemned as a result of catastrophic ground collapse.
Get Your Questions Answered And The Coverage You Need
Waiting for the information you need about your insurance is a thing of the past when you have Homeowners Insurance Geek to help you. We have done all the legwork for you, so that you can go about the business of reviewing your options and selecting the best choice for you and your family.