Home Insurance in Florida
High Risk Homeowners
Claims - If you have had a home insurance claim during the past 5 years, insurance companies will surcharge your policy. In many cases, even if you have been with your insurance company for many years, they may drop your policy for one claim. Not all insurance companies charge the same amount for claims. Our insurance advisors know which companies charge less than others based on the number and severity of the claims you may have had.
Coastal Properties - If you live within 5 miles of the coast or an intercoastal waterway, insurance companies will consider your home to be in a high-risk area. Even if you have not made a claim during the past 5 years you may be paying more than you need to because your insurance company had to pay claims to other homeowners that they insure. Insurance regulations limit how much an insurer can increase the premium on an individual policy, so they will often increase the rate for everyone that the insure to compensate for their losses. We specialize in getting our clients connected with an insurance company that can lock in a lower rate even if you own a coastal property.
Roof - If you own a home with a roof that is more than 14 years old, many insurance companies will charge you more for your policy. Insurance companies will remove roof discounts from your policy over time causing your rate to increase, even if your roof is in good condition. Our agents work with insurance companies that specialize in including roof discounts on your policy without requiring you to get a new roof.
Lapse in coverage- If you have had a lapse in your homeowner’s insurance, insurers will surcharge your policy. If the lapse exceeds 30 days, most insurance companies will not offer you coverage at all. If you have a mortgage, your lender will force-place insurance on the property, which is usually 3 times more expensive than a standard policy and you get less coverage. We have access to carriers who can offer you the right coverage, even if your lapse exceeds 30 days, with a minimal surcharge.
Low Risk Homeowners
Claims - If you have not had a home insurance claim during the past 5 years, insurance companies will discount your policy. However, you may still experience a rate increase because your insurance company had to pay claims for other homeowners that they insure. Insurance regulations limit how much an insurer can increase the premium on an individual policy, so they will often increase the rate for everyone that the insure to compensate for their losses. Furthermore, the discount that is offered for being claims-free will differ from carrier to carrier. We specialize in getting our clients connected with an insurance company that can lock in a lower premium for claims-free homeowners.
Roof - If you own a home with a roof that is less than 13 years old, many insurance companies will discount your policy. Each insurance company offers a different discount for the age of your roof. Plus, insurance companies will remove roof discounts from your policy over time causing your rate to increase, even if your roof is in good condition. Our agents work with insurance companies that specialize in including the maximum roof discount on your policy based on the age and construction of your roof.
Coverage - Your agent should have had a conversation with you about what your coverage can potentially do for you and the policy’s limitations, if heaven forbid you need to use the policy. You should know if you are covered and how much your policy will pay whether a pipe breaks behind the wall, your washing machine overflows, or if your dog bites someone. Our agents will take the time to analyze your scenario, so that we can customize a policy that gets you the coverage you need at the lowest premium.
Credit History (Insurance Score) - Insurers will place consumers in a favorable category if they have a high insurance score, which is based on information on your credit report. These more favorable categories allow insurance companies to charge you less for your insurance. Insurers believe if you have plenty of available credit, which leads to a higher insurance score, you are less likely to file a small claim because you could choose to use your credit card to pay for a minor loss. We have access to carriers who place homeowners in the most favorable categories based on their insurance score.
Why Enterprise Insurance Advisors?
- We customize your coverage based on your level of risk and your budget
- We have access to the carriers who specialize in your claims history
- We can help you obtain more discounts from highly rated insurers
- We can provide instant proof of insurance
- We offer 24/7/365 customer service through our online Client Center
Contact us today
Our carriers provide an early shopper discount! The sooner you call the more money you can save! Secure a lower rate today, in order to save the most money!
