Homeowners Insurance Rates in Florida

Like homeowners everywhere, people who own homes in Florida want to keep their homes protected against accidents and storms.  Unlike other states, however, Floridians face a host of issues that can make finding reasonable homeowners insurance rates in Florida a difficult feat.

Hurricanes

Perhaps one of the most well-known threats to Florida’s coastline is the hurricane.  These swirling storms are on the radar of every homeowner in Florida from June 1 to November 30.  While seasoned Floridians typically don’t rush to the grocery to stock up on canned goods on June 1, the wise homeowner checks the battery supply, dusts off the hurricane shutters and grabs a couple extra cases of water on the next grocery run.  Weather predictions can seem more art than science, making skeptics of newly arrived Florida residents who rush to buy hurricane supplies after the first hurricane warning they don’t use.  It only takes living through one actual hurricane to reaffirm a homeowner’s belief in the power of the storm, and regardless of the scoffing and nay-sayers, the hurricane preparation kit is always stocked and ready.

Tornadoes

The land version of the hurricane, Florida can experience the twisting destruction of the wind cutting through the landscape.  More common than most people realize, the Sunshine State is affected by tornadoes on a regular basis – yet another reason for high homeowners insurance rates in Florida.

Hail and Lightning

It can be disconcerting to be sitting outside on a hazy day and suddenly be pelted with rain that hurts.  The umbrella is useless as a defense mechanism, and the car is getting dinged with these little hard pieces of hail.  Hail is a common weather problem and can cause damage to homes in Florida – breaking windows and causing damage to the exterior of a home.  Lightning is another weather related issue that Floridians face bringing electrical wiring problems, damage from fallen tree limbs and other serious problems for a homeowner.

Sinkholes

Another threat to Florida homeowners is the sinkhole.  Accounts of the ground literally sinking before a horrified homeowner’s eyes are rare, but are frequent enough to cause concern.

For many, the possible threats living in Florida are easily outnumbered by the benefits of living in a vacation paradise.  It requires paying attention to not only the weather but the current events of the area, and it also requires a diligent search of homeowners insurance rates in Florida to find the best rates for your home.  Taking the first plan that comes along is not always the best method for finding the homeowners insurance you need.  Speaking with a qualified insurance agent can ensure that you get the specific coverage that you need, based on where your home is located.  This prevents you from getting over charged for coverage that you don’t need, as well as ensuring that you have the coverage that you do need.  The weather in Florida is constantly changing – make sure your homeowners insurance is ready for the changes too.