Destin Homeowners Insurance

If you are a Destin resident, you already know how lucky you are to be closer to some of the world's most beautiful beaches. You are also very aware that tropical storms and hurricanes can leave your home damaged or flooded. It is important to understand how much Destin homeowners insurance you need for your property.

Florida has some of the highest homeowners insurance rates in the U.S. Our Destin, FL homeowners insurance policies are very fair and will protect your property against all possible dangers that could damage it.

Our Destin Homeowners Insurance Covers You in Many Ways

As a fully licensed Florida home insurance agency with access to over 150 top-rated insurance companies, our Destin homeowners insurance offers you great peace of mind. We can offer coverages such as:

• Complete replacement cost insurance coverage for your dwelling, your possessions, and other structures.
• Loss of use coverage, which compensates you additional living expenses while repairs are ongoing.
• Medical payments coverage if someone has been injured on your property.
• Personal liability insurance coverage for help with legal bills if someone is injured in your home.

Our homeowner's insurance policies in Destin often do NOT include flood protection. You should purchase additional flood insurance coverage for your home even when you are in a "preferred" flood zone. Did you know that 98% of all counties across the United States have experienced damaging flood events? Couple the data with what we face every year with Hurricane and flood insurance should be an expected expense for all Florida property owners.

Homeowners Insurance Takes Many Different Forms

At Moran Insurance, our Destin homeowners insurance covers more than just your home. We also have policies for:

• Condominium Unit Owners

We understand that it is typically the condominium association's responsibility to shield everyone's exterior property, but what about your valued possession inside your condo unit? When you carry condominium coverage, it operates just like traditional homeowners insurance. You are covered for your property, such as loss of use, personal belongings, liability, and more.

Whether you reside in your condo all year long or you are using it as a second home, this type of Destin, FL homeowners insurance, is definitely to be considered.

• Renters Insurance

Renters should carry some type of renters insurance. Wherever you rent a mobile home, house, condominium, or apartment, you need to insure yourself in the event of flood, theft, fire, or storm.

• Landlord Protection

If you happen to be a landlord and rent any type of property units, it is worth it for you to check out our Landlord Insurance Dwelling Policy. Your rental properties are your business. When a disaster occurs, we can help you address the problem and get the revenue flowing again quickly.

Destin, FL Homeowner Insurance Options

We sell homeowners insurance policies that can also be augmented with other options, which are important and worth consideration:

• Ordinance and Law

This is normally included in homeowner policies, but you may want to increase the coverage limit for a little more peace of mind. This is because codes and laws are always changing, and you want to be ready in the event of a calamity, and your building has to be rebuilt.

• Water Damage

Water damage does more harm than most other types of natural damage. For a nominal charge, you can raise your coverage and have the protection you require in the event of water damage from leaks in and around your home.

• Service Line Coverage

For about $40 annually, you can be insured against problems where water, electric, or sewer lines run into your property. If there is a problem, it can become very expensive for you and cause a lot of damage to the outside of your property as well.

• Jewelry, Guns, and Fine Art

If you are a collector of these things, you will want to cover them in your existing homeowners policy. For the cost of an appraisal, we can guarantee you that your most prized possessions are covered against theft or any other mishap.

Harris Insurance has been protecting Destin homeowners as well as other Florida residents for years now with our homeowners insurance policies. Let our team show you how to protect your property. Contact us today.

Resources and References:

• National Flood Insurance Program
• Florida Community Associations Professionals