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414 26th St W
Bradenton, FL, 34205
United State

9417477283

Manatee Insurance Services, Inc. have been working locally with Floridians to save money and time insuring all major properties including Autos, Homes, Motorcycles, and Boats for over 35 plus years! Come save money and time finding the right insurance all under one roof. Lets get saving Florida! Contact us for a second look on what you will save.

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Dos And Don’ts of Buying A Home Insurance In Florida

Matthew Smith

Buying Insurance

For many individuals, property is the most significant investment they ever make. In order to protect a residential property from unpredictable losses, homeowners require insurance.

That being said, it can be challenging a good home insurance policy that suits an individual’s specific needs.

Here are some important factors for getting the best homeowner’s insurance coverage in Florida:

Get full coverage 

Clearly specify to your agent that you want comprehensive insurance coverage for your home. A comprehensive insurance policy offers protection for an array of losses arising unexpected events, including theft, explosions, etc, along with an accident and collision.

However, comprehensive insurance policies are a more expensive than basic insurance policies. Even if you have to pay a higher premium, make sure you’re getting full replacement coverage.

Figure out the replacement cost of valuable items

Valuable items, such as jewelry or art items require a separate coverage. Assess the cost of these items and adjust your insurance coverage accordingly.

Go for higher deductibles

Paying a higher deductible can actually work in your favor. Higher deductibles lead to lower premiums.

Be honest

Do not lie to your agent. Make sure you’re giving them complete information about your home. This information includes the size of your property, number of rooms, location, repairs and renovations done, costly items, etc. If your home was renovated recently, inform your insurance agent. You might get a lower premium.

Do not delay reporting losses

Try to report property losses as soon as possible. Delays can cause issues in receiving coverage.

Do not buy the lowest priced policy

Focus on coverage than premium. Make sure you are getting full replacement coverage to protect yourself in the event of a disaster.

Last but not least, shop around to receive the best home insurance at a great rate. The more insurance companies you approach, the better. Compare coverage, premium and conditions of multiple home insurance companies. This is the only way you will get home insurance coverage that fits your specific needs and goals.

Need professional advice on selecting the right homeowners insurance policy? At Manatee Insurance Services, Inc., we can assist you get the best possible home insurance coverage for your Florida home. We work with a number of reputable, reliable home insurance companies. Get a homeowner’s insurance quote now to protect the future of your home and its inhabitants.