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When it comes to homeowners insurance in Florida, American Platinum Property & Casualty Insurance Company is here to help get you the best policy. From Fort Lauderdale, Miami or the sunny Florida Panhandle to Orlando, Tampa and up to Jacksonville and Tallahassee, we've got you covered.
Since our inception in 2011, we've been offering tailored products at competitive prices with best-in-class customer service. Awarded an A Exceptional rating from Demotech, we have the protection you need and the service you deserve.
What's Covered by Your Florida Homeowners Insurance?
Florida home insurance covers much more than the actual structure you live in. Your policy can extend protection from your house to your property and all your personal possessions if they're damaged by a number of covered perils. Let's take a look at the six different coverage types in a Florida homeowners insurance policy.
Dwelling (Coverage A): This coverage helps protect the physical structure of your home, such as the roof, flooring and windows. Your policy's dwelling coverage should at least match the value of your home. So those policyholders with a $300,000 house should have at least $300,000 worth of dwelling coverage.
Other Structures (Coverage B): This coverage helps protect structures on your property that aren't directly attached to your home. Things like detached garages, carports, sheds and fences can fall into this category of coverage.
Personal Belongings (Coverage C): This coverage safeguards many things inside the walls or your home and stored on your property, such as electronics, furniture, clothes and tools, if they're damaged or stolen.
Loss of Use (Coverage D): Also known as additional living expense coverage, loss of use works to reimburse you for extra expenses you incur when a covered peril forces you to temporarily move from your home. These can be things like a rental home of equivalent value and storage fees.
Personal Liability (Coverage E): Liability coverage can be an exponential asset for you. It can kick in if somebody is injured on your property or you accidentally cause damage to someone else's property. It can help cover medical expenses, repair damage and cover legal fees if the affected party sues you.
Medical Payments (Coverage F): This coverage is similar to its liability counterpart, but it only helps to pay minor medical expenses if another person gets injured on your property.
Which Factors Can Influence Rates in Florida?
Many factors, both in and out of someone's control, play a part in determining the premium price of a Florida homeowners insurance policy. Things like coverage amounts and deductibles, which is how much a policyholder will need to pay out of pocket for a claim, have the largest influence.
While external factors, such as the location of a home and how active hurricanes and crime are in the area, also play a pivotal piece in determining the rates.
Wind mitigation is also crucial in Florida, where the risk of hurricanes and tropical storms is high. Understanding its significance is vital for homeowners and their insurance coverage. Let's dive into why wind mitigation measures are a cornerstone of responsible home ownership in the Sunshine State
Why Wind Mitigation Matters in Florida
Living in Florida means enjoying its sunshine but also preparing for its storms. Wind mitigation is all about making homes more resistant to the fierce winds from storms and hurricanes. By adopting these measures, homeowners can not only protect their homes but also enjoy savings on their insurance premiums. It's a smart move for safety and savings.
Key Wind Mitigation Features Explained
1. Roof Covering: This pertains to the materials used for your roof, such as shingles, tiles, or metal. Quality roof coverings that meet state-approved standards are more resilient against wind and can help prevent water intrusion during storms.
2. Roof Geometry: The shape and design of your roof play a pivotal role in how it withstands wind. Hip roofs, which slope on all four sides, are usually more wind-resistant than gable roofs, which have two sloping sides that form a triangle.
3. Roof Deck Attachment: This refers to how the roof deck or sheathing is attached to the underlying structure. Properly nailed and reinforced roof decks can provide greater protection against uplifting winds.
4. Roof to Wall Attachment: This feature focuses on how the roof is connected to the walls of the house. Methods like using metal connectors or straps can make this connection stronger, ensuring the roof doesn't get blown off during intense winds.
5. Secondary Water Resistance: Often referred to as SWR, this barrier is added to prevent water from entering the home if the roof covering is blown off or damaged. SWR can drastically reduce the chances of roof leaks during a storm.
6. Opening Protection: This pertains to the protective measures for windows, doors, and skylights. Using impact-resistant glass or protective coverings, like shutters, can prevent flying debris from breaking these openings and causing indoor damage.
How to Qualify for Insurance Discounts with Wind Mitigation
Want to enjoy the dual benefits of a safer home and reduced insurance premiums? Consider arranging for a Wind Mitigation Inspection by a qualified inspector. Many insurance companies in Florida offer premium discounts for homes with wind mitigation features, recognizing their potential to reduce claim costs.
To Qualify:
1. Find a Qualified Inspector: It’s important to choose a qualified inspector to conduct Wind Mitigation Inspections. They'll be familiar with the specific requirements and standards of the state. Your insurance agent can assist you in the process of locating an inspector.
2. Schedule an Inspection: Once the inspection is complete, you'll receive a report detailing the wind mitigation features of your home.
3. Submit the Report to Your Insurance Company: Provide your insurance company with the completed report. Depending on the features present in your home, you could qualify for premium discounts.
How to Get a Quote for Florida Homeowners Insurance
To get a quote for Florida homeowners insurance, simply utilize our online quoting engine. Just fill in a few details about your home, we’ll run the data and figure out what type of policy and how much coverage you need. You can get a policy in minutes so you can get back to life quicker.