Homeowners Insurance Information
Insurance for Homeowners Across Florida
Whether you are buying your first home or settling into what you hope will be the last, a good home insurance policy is a must. At Garland Insurance Inc., we have access to top carriers offering affordable home insurance policies to homeowners throughout Tampa, Lakeland and across Florida. With dedicated insurance professionals and great customer service, we will find and tailor a policy perfect for you, your family and your home.
Coverages We Offer for Home Insurance
Is Home Insurance Required?
Contrary to popular belief, home insurance isn’t required by state or federal law in the U.S. However, you may be required to carry a certain amount of home insurance by your mortgage lender. You may have more freedom with your home insurance limits after your home is paid off, but it’s important to maintain enough insurance to protect your home against large financial loss in case of an incident.
What are Typical Homeowners Insurance Rates?
The average cost of homeowners insurance in Florida is around $3,439 a year. This number depends on a variety of factors, however, such as your zip code, claims history, credit score, coverage limits, the value of your home and more. Get a quote to see how much you can save on homeowners insurance.
How Many Home Insurance Claims Can You File?
There is no set limit to how many home insurance claims you may file. In general, it’s recommended that you don’t file more than two home insurance claims within a five-year span, otherwise you could face higher premiums. More than that may make it difficult for you to find affordable coverage.
How Do Home Insurance Claims Work?
When you file a home insurance claim, an underwriter from the insurance provider will investigate the claim to calculate how much compensation you will receive. Compensation is based on the type of policy you have and the amount of damage done. Once the claim is approved, you will receive a lump sum payment of compensation for the loss or damages.
Why is Home Insurance Necessary?
Home insurance is crucial for all homeowners, especially in Florida. A single bad storm can cause thousands of dollars in damage to your home, which can be difficult (or even impossible) to pay out of pocket. Home insurance protects you from heavy financial burdens and allows you to fix damage quickly so you and your family can continue living without worry.
How Far in Advance Can I Buy Home Insurance?
You can buy home insurance before even closing on your home. In fact, you should purchase home insurance before officially signing the dotted line so that you are covered from the moment you walk in the door.
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