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• Florida Home Insurance
• Buying and maintaining a home are going to cost money. You must protect that investment using every asset at your disposal, including homeowners insurance.
• Florida homeowners could suddenly and unexpectedly experience property damage, loss of possessions, liability lawsuits and a host of other hazards. The coverage provided by home insurance can help them withstand the financial strain of these losses. If you are looking for the best way to design a policy that is right for you, just contact Flagler Insurance. Our agency experts understand all angles of home insurance and can help you designed a customized policy no matter what your needs.
• We insure residents of Orange, Osceola, Polk, Volusia, Lake, Hillsborough, Pinellas Counties and Cites like: Orlando, Kissimmee, Ocoee, Lakeland, Lake Wales, Saint Cloud, Cape Coral, Fort Myers, Port Charlotte, North Port, Naples, Estero and surrounding areas, and all our policies come from some of America’s top home insurers. To simplify your policy search, all you must do is contact us at (407) 486-7999 or fill out this form to get started.
• Understanding Home Insurance
• You want your home to be secure and safe for you and your family. You also want to maintain it to keep its property value stable and competitive. Homeowners insurance is one of the best ways to do so.
• No one ever knows when a hazardous event like severe weather, a fire or a break-in might damage your property. But when events like these happen, they are often expensive. If you cannot afford to repair your losses, your overall equity might drop and put you in a tight financial bind. By paying multiple recovery costs on your behalf, homeowners insurance offers you expansive protection against these losses.
• When should I buy homeowners insurance?
• You want your homeowners policy to protect you from the moment you take possession of your home. Therefore, you will need to have a policy in place before you even close on the property. 
• In many cases, a mortgage lender will require you to have a policy in place if you take out a loan on the property, and you will have to maintain this coverage at least for the duration of the loan.
• How much home insurance do I need?
• There is a diversity of homeowners policies including policies for mobile homes, renters and condo owners. Each can offer customized benefits that protect you against a multitude of potential losses. 
• Some of the essential coverage to include on your policy might include:
• Dwelling Insurance: Your policy will pay to help you rebuild or repair your home following structural damage.
• Other Structures Insurance: This coverage pays for damage to structures that are not part of your dwelling, such as storage sheds, fences or detached garages.
• Contents Coverage: Following damage to your belongings, this coverage can pay to repair or replace the items.
• Liability Insurance: Should someone who does not live with you get hurt in your home, then this coverage can reimburse them for their losses. It applies to the fact that accidents in your home might be your legal responsibility to pay.
• Loss of Use Coverage: If your home suffers damage in a covered peril, then this coverage can pay living expenses you accumulate if you must temporarily move out.
• All policies will include deductibles, coverage limits and other terms that influence how much they will pay you for your losses. Therefore, always work with your agent to address these in ways that suit you. You can always add expanded coverage to your policy to protect even your most expensive assets.
• How much does home insurance cost?
• Insurers base premiums on the risk factors the policyholder poses to them. Therefore, even if you and your neighbor have similar policies, you might pay quite different prices.
• Some of the risk factors that influence premiums might include:
• The home’s value
• Your location
• The number of residents in the home
• The home’s age
• The limits and terms of the policy of your choice
• Your credit rating
• Our goal is to help you keep your coverage affordable in all situation. We can offer you quotes on numerous policies to help you get an idea of what you can expect to pay for your plan. Then, we can help you apply for discounts and other savings incentives to make your policy even more affordable.