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Fort Lauderdale, Florida Home Insurance Information
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Whether you own a house, condominium or townhouse, for most people
their home is their most important investment. Our Fort Lauderdale, Florida area insurance agents offer Florida home insurance policies that have flexibility to meet your individual needs and above all, provide you with the security that comes only from the knowledge that your home is safe. Insurance for your home is one of the most popular and important forms of personal insurance and the typical Fort Lauderdale, Florida Home Insurance policy has two main sections: |
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Section I - insurance coverage for your property
Section II - personal liability coverage (to cover you in case of lawsuits arising from things
that happen on your property) |
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Home insurance is often required by lenders to obtain a mortgage and nearly everyone, whether
you own or lease a Fort Lauderdale, Florida property, should have the protection of home insurance. |
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Florida Home Insurance FAQ
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Click on the link below to fill out a secure quote request form for a lower cost Fort Lauderdale,
Florida Home Insurance policy that will provide excellent insurance coverage at an affordable cost. After submitting the quote request form, Florida Home Insurance agents in the Fort Lauderdale, Florida area will contact you to speak with you in more detail about your Home Insurance needs and to provide you with a quote or quotes. |
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Covered losses under a Fort Lauderdale, Florida home insurance policy can be paid on either
a replacement cost basis or on an actual cash value basis. When "actual cash value" is used, the policy owner is entitled to the depreciated value of the damaged property. Therefore, the older the item is, the less money you may receive for it. If you choose the "replacement cost" coverage, the Fort Lauderdale, Florida home insurance policy will reinburse the amount it costs to replace the property with something of a similar type and quality at current prices. |
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An "All Risks" policy provides the broadest Fort Lauderdale, Florida home insurance protection
because it will cover losses that are due to any peril except those specifically excluded in the policy. A "Named Perils" policy covers losses that are due to only those perils listed in the standard Fort Lauderdale, Florida Home Insurance policy and typically include fire, hail, windstorm, and other physical losses. |
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Florida Home Insurance Policy FAQ
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Fort Lauderdale, FL area insurance agents offering cheaper Florida home insurance policy
premiums in the following south Florida cities and counties: Lauderhill, Sunrise, Tamarac, Wilton Manors, Oakland Park, Lauderdale Lakes, Sea Ranch Lakes, Pompano Beach, Margate, Coral Springs, North Lauderdale, Lighthouse Point, Hillsboro Beach, Coconut Creek, Deerfield Beach, Boca Raton, The Hamptons, Highland Beach, Boca West, Delray Beach, Boca Pointe, Boynton Beach, Lantana, Rainbow Lakes, Atlantis, Lake Worth, South Palm Beach, Palm Springs, Greenacres, Wellington, Haverhill, Palm Beach, Golden Lakes, Riviera Beach, Glen Ridge, West Palm Beach, Lake Park, Royal Palm Beach, Jupiter, Juno Beach, North Palm Beach, Loxahatchee, Belle Glade, Palm Beach Shores, Coral Gables, Kendall, Miami, Richmond Heights, Pinecrest, Howard, Coral Way Village, Westchester, Westwood Lakes, Brownsville, Sweetwater, Key Biscayne, North Bay Village, Miami Beach, Miami Springs, Virginia Gardens, Hialeah, El Portal, Miami Shores, Medley, Indian Creek, Surfside, Bal Harbour, North Miami, Biscayne Park, Pinewood Park, Opa Locka, Bunche Park, Hialeah Gardens, Palm Springs North, Carol City, Norland, Ojus, Miami Lakes, Biscayne Gardens, Hallandale, Sunny Isles Beach, Golden Beach, Aventura, Uleta, Miramar, Pembroke Pines, North Miami Beach, Hallandale Beach, Ives Estates, Pembroke Park, Hollywood, Dania Beach, Cooper City, Davie, West Miami, Weston, Plantation, Playland Isles, Melrose Park, South Miami, Cutler Ridge, Princeton, Perrine, Naranja, Homestead, Florida City, Leisure City, Miami-Dade County, Broward County, and Palm Beach County, FL. Fort Lauderdale, FL area insurance agents can also offer affordable Florida home insurance policy quotes throughout the Sunshine State, including in Jacksonville, Tallahassee, Orlando, Gainesville, Daytona Beach, St. Petersburg, and Tampa, FL. |
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Learn About Affordable Florida Home Insurance
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Fort Lauderdale, Florida Area Insurance Agents
Offering Florida Home Insurance Quotes
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5 Minute Form - Quick Response for Florida Home
Insurance from Fort Lauderdale, Florida Area Insurance Agents
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Florida Home Insurance Policy FAQ
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Personal liability in a Fort Lauderdale, Florida home insurance policy is also an important
part of having security from accidents that may occur on your property. We suggest you choose coverage limits that are not less than those on other liability insurance you own, such as car insurance. |
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Florida Home Insurance Policy FAQ
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Click on the link below to fill out a secure quote request form for cheaper Fort Lauderdale,
Florida Home Insurance policy premium quotes that will provide excellent insurance coverage at an affordable cost. After submitting the quote request form, a Florida Home Insurance agent in the Fort Lauderdale, FL area will contact you to speak with you in more detail about your Home Insurance needs and to provide you with a quote or quotes. |
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If your policy limit is less than 80% of the replacement cost of your home, you will face a
"coinsurance penalty," which means you'll have out-of-pocket expenses to cover costs beyond the policy deductible you chose. For example purposes we will assume your home's estimated replacement value (RCV) is $100,000. The co-insurance clause requires you carry at least $80,000 (80% of your RCV). If you chose to purchase only a $40,000 Fort Lauderdale, Florida Home Insurance policy you would be underinsured by half. Therefore, in the example the insurance company would pay one-half of a loss less the policy deductible, so if you suffered a $10,000 covered loss to your house, condominium or townhouse and had a $500 deductible, your policy would only pay $4,500. |
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Florida Home Insurance Policy FAQ
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Replacement Cost or Actual Cash Value
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All Risks or Named Perils
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Coinsurance Penalty
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Personal Liability
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