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Marco Island, Florida Homeowners Insurance
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Marco Island, Florida Homeowners Insurance
Homeowner's insurance policies protect Marco Island homes against damage and ruin.
If someone tried to sell you a Marco Island, Florida Homeowners Insurance policy that did not protect you against hurricanes or fire damage, you probably should go somewhere else to purchase insurance.
Did you know that the highest dollar insurance claims in Florida are from water damage?
In the recent years, water damage in residential households has resulted in higher claim payouts than hurricane and fire combined! Many Homeowners Insurance providers exclude (or limit) water damage coverage for older homes.So would you still buy Insurance from that company knowing that you are not covered for the most common and highest dollar claim? If you were oblivious of this, don't feel bad, as not many outside of the insurance industry who know this.
The point is, insurance can be complicated, and it's what you don't know that can hurt you. No two companies write the same policy, and while one provider may give you something, another may take it away.
When shopping for insurance, ensure to find an agent that is willing to answer all your questions. Maybe even more importantly, an agent who is willing to ask you all the relevant items to make sure you are covered correctly.
Below, we have highlighted what essentially amounts to a checklist of questions you should ask before purchasing homeowners' insurance.
Homeowners Insurance Discounts in Marco Island, Florida
Having a Marco Island Homeowner's insurance could save you a fortune in case of a hurricane or damaging storm
Did you know that receiving a wind mitigation report can radically cut down the cost of your homeowner's insurance policy? This valuable report's main purpose is to "mitigate" the portion of your premium derived from the risk of windstorm or hurricane damage. It also is a report that no company will require you to get, which leads to a lot of individuals leaving huge sums of their hard-earned cash on the table when buying a homeowner's insurance policy.
There are tons of other discounts that can be obtained, some of which you may already be eligible for and didn't even know it! Below is a list of some probable discounts you should be asking about when obtaining insurance quotes for your home.
- Do I get a discount for my alarm system? (monitored or local)
- Do I get a discount for being in a secured community? (gated, guarded, single access, passcode)
- What discounts could I be getting on my current wind mitigation account? (additional savings may be worth upgrading)
- Am I attaining credit for my hurricane shutters and doors?
Marco Island Liability Insurance
Did you know that the Florida homeowner's insurance can provide you liability protection? Most people are unaware of this very vital part of their insurance policy. If you have this and aren't excited about it, think about this for a second. Our agents have extensive experience in handling all insurance solutions.
Imagine you have some friends and family over at your home. One of your friends is heading up the stairs to use the restroom and catches their foot as they approach the top of the staircase. They do a fast tumble down the stairs. Besides just breaking up the friendly game night, they have also wrecked their arm. Even though this individual maybe your friend, what if they don't have health insurance? They may be forced to turn to you to seek assistance with fixing their broken arm, but if you refuse or aren't able to assist, they may be able to find legal action against you. This is where you will be pleased you had your liability coverage, something you may not have cared much for before an incident like this. You can get a customized quote for your unique homeowner's insurance needs.
