Homeowners Insurance

A home is not only a large investment, but it’s also a source of safety. It’s where you and your family go to relax, talk, laugh and grow. While you may not think a natural disaster can occur, accidents can happen. In Florida’s unpredictable weather especially, it’s important to have a reliable and comprehensive home insurance policy.

St. Andrews Insurance Agency is dedicated to making true connections with clients through honesty and affordable policies. Find out how you can insure your home and save money by calling us at (850) 785-2383 or fill out an online quote form today.

Common Home Insurance Questions:

Why Get Home Insurance?

Aside from being a requirement for most lenders, home insurance is crucial of every homeowner. Home insurance protects the homeowner and their family from huge monetary loss involving lawsuits, natural disasters and more. Without insurance, you could find yourself without a home and no way to start over. Home insurance provides a cushion in case of such emergencies.

How Does a Home Insurance Deductible Work?

A home insurance deductible is the amount of money you agree to pay before receiving compensation for the claim. This deductible is agreed upon on your home insurance policy.

What is the Average Cost for Home Insurance in Florida?

The average cost of home insurance in Florida is around $1,993 a year.

How Do I Get a Quote for Home Insurance?

Fill out an online form to receive a free home insurance quote today.

Which Home Insurance Options Should I Have in My Policy?

All home insurance policies should include:

• Dwelling Coverage: Dwelling coverage provides compensation for damage to or loss of the home due to fire, lightning, smoke, hail, wind, theft, vandalism and more.
• General Liability: General liability covers claims concerning bodily injury and property damage someone else may suffer on the insured property.
• Personal Belongings Coverage: Personal belongings coverage provides compensation for the damage and loss of items due to the same incidents covered under dwelling.
• Additional Living Expenses: This coverage offers monetary assistance for temporarily moving while the home is being repaired or rebuilt after a disaster.

Florida residents should also heavily consider flood insurance.

How Do Home Insurance Claims Work?

When you file a home insurance claim, an underwriter from the insurance agency will investigate the claim to discern how much compensation you will receive. Once the claim is approved, you will receive compensation for your losses.

How Many Home Insurance Claims are Too Many?

In general, it’s recommended that homeowners file less than three insurance claims in a three-year period.

How Often Do Home Insurance Rates Change?

Home insurance rates often change annually but can change at any time depending on circumstances.