Florida Home Insurance

At Norton Insurance of Florida, we will help you find the right fit for your homeowners insurance needs with providing quality service and affordable pricing.  Home insurance rates have gone up on average 30% for Floridians (see our recent blog post about the reasons) and now is the best time to shop your insurance coverage.  Policies will differ based on the valuables in the home and which coverages you choose. A comprehensive plan will cover you financially if you have a loss due to fire, theft or other events, in addition to the event if someone is injured on your property.

Here are some tips for properly insuring your property:

• Insure it above 80% of its Replacement Cost
• Include flood insurance whenever possible
• When wind coverage is included, ensure you have enough to cover the deductible during hurricane season
• If the property is ever rented, be sure your agent knows about it
• Update the agent when any property improvements are made

Living on the coast can provide unique challenges insuring a home that could be hit by hurricanes or flooding. We also have some of the most luxurious and high-end homes along the coast. High value and luxury homes are considered anything costing over $1million to rebuild and because of our proximity to the coast, there are challenges to covering these properties in the standard insurance market, but we are proud to work with many standard and non-standard insurance companies to find solutions in insuring these properties. We can consider most properties up to $15million with the ability to go higher upon special request.  These situations require an experienced insurance agent that ensures you have the proper coverage with a high rated company. This means that if in the future disaster strikes, you won't be paying a fortune out of pocket or waiting months from the claim payout to repair your coastal home.

At Norton Insurance of Florida, we have the home insurance specialists that can tailor a specific package to your needs and risks. We have access to many top rated companies to find you the best fit at a fair price. We can quickly compare rates to ensure you don't have any gaps in coverage down the road.  It is always a good time to check with us about the rate you are getting on your property insurance. We keep up with the frequent and tenacious rate changes to be better educating in helping ensure your insurance is placed in a good spot.

Homeowners insurance policy coverages in Florida

• Property Coverage - to pay for repairs to your home, garage or other buildings that are damaged.
• Personal Property - if you have a loss of valuables in your home like jewelry, electronics or guns due to theft or damage.
• Liability - this will cover if there is a claim when someone is injured or their property is damaged.
• Medical Expenses - this would be medical coverage for someone that is injured, other than a resident, on your property.
• Living Expenses - if you have a complete loss, you may need extra temporary housing or food when you're forced from your home.

There may also be other coverages that you many want to consider in addition to your basic homeowners policy. These may include personal umbrella, automobile, flood, earthquake or jewelry insurance. Our agents at Norton Insurance of Florida can help you understand your other risks and help you evaluate whether you may need additional coverages in your Florida home insurance plan.

So, contact us today at 850-244-1574 to find out more about home insurance in Fort Walton Beach, Florida including the Crestview, Destin, Miramar Beach, Niceville, and Santa Rosa Beach areas.