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Does Home Insurance Cover Roof Damage from Wind in Miramar, FL?

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When you pick up home insurance, you need to understand exactly what type of coverage that you have. You typically need to pick up home insurance during the home financing process, as the bank wants to cover their interest in the property that you’re buying. If you end up getting into a situation where the damage to the house is enough to cause a total loss, and you don’t have insurance, the bank ends up losing out on an asset.

Whether wind based roof damage is covered in Miramar, FL depends on the details in the policy. Many common nature related issues are covered in homeowners insurance, but you always run the risk of the insurance company refusing to cover a specific incident. This is particularly true in Florida, where you have to see if the wind damage is caused by high winds or hurricane winds. Hurricane prone areas need hurricane specific coverage, and if the insurance company thinks that you’re making a claim based on hurricane winds instead of standard storm winds, you may end up having a major issue with your claim.

A roof is incredibly expensive to replace, and putting off repairs can end up causing irreparable damage to the rest of the house as the water drips in and the humidity causes mold in the house.

Talk to us to find out whether your existing or future homeowners insurance covers wind damage to your roof in Miramar, FL. It’s the last thing you want to figure out after the damage has occurred, so make sure that you’re on the same page with your insurance company.

Compare Homeowners Insurance Rates in Florida

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Have you ever wondered why you are paying more for your homeowners insurance than your neighbor who has the exact same model house? It could be that he does not have the same amount of coverage as you, or it might be because he has installed a burglar alarm system. In all probability, your neighbor may be receiving lower homeowners rates than you because he chose a different insurance carrier.

We are here to help you get the most affordable coverage for your home. While we can not guarantee that we will be able to get you lower rates than your neighbor, we can guarantee to work hard to find the best rates for you. How do we do that?

Homeowners insurance rates are regulated, but not set by the Florida Insurance Commission and specific Florida laws. Legislation has been written and bills have been enacted into law to protect consumers from big insurance companies. Without regulation, Florida home insurance rates could skyrocket. While insurance statutes do set boundaries on how much an insurer can charge, there is still a great deal of room for insurers to set their own rates.

We make it possible for you to find the lowest rates by running live comparative quotes right here on our website. Unlike some insurance companies that offer free quotes, you don’t have to fill out a long form and then wait for someone to contact you and tell you what your rate will be. You will see the actual dollar amount in real-time. When you get your quotes through our website, it is a snap to do side-by-side comparisons of two competing insurance companies. When you can compare all of the different homeowners insurance rates, in an easy-to-understand format, it is not hard to pick-out the lowest-priced policy.

Affordable Car Insurance Rates Miramar, FL

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Before you get in your car and head to the beach, you better be sure that you have the right type and amount of insurance for your car. While there is less traffic in Miramar Florida, than in nearby Miami, accidents, vandalism, and car thefts still occur in this Southwest Broward County city.

Florida is a no-fault state and you are required to carry a minimum of $10,000 in property damage liability coverage and $10,000 in personal injury protection. Most people carry more than the minimum so that they will be better covered if they suffer a more extensive loss. If you get a bare-bones policy with minimum coverage, it may help pay your medical bills, but it will not pay for damage to your car.

If you want or need auto insurance that includes comprehensive and collision coverage, the cost of such a policy can be more than you want to spend. Depending upon many factors such as your age, driving record, and type of car you drive, your car insurance rates can range from less than several hundreds of dollars per year to several thousands of dollars per year.

Finding affordable car insurance rates is always a goal, but it is especially important in an economy where so many people are living paycheck-to-paycheck. Why pay more than you have to pay?

While your personal driving risk profile plays a key role in determining the rates you will have to pay, it is equally important to get quotes from a number of different insurance companies. You may get lucky and find the most affordable rates by just picking out and calling an auto insurance company that has a prominent display ad in the Yellow Pages. A more reliable way to get the most affordable rates is to visit our local independent agency, have us get quotes, and find you the lowest rates in town.

About McCormick Insurance Agency in Miramar, FL

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Insurance is an essential part of your life, from your health to your final expenses. However, it's not always easy to understand the benefits of insurance. You keep health and auto insurance because these are required, or you get fines and penalties. But when you understand the basic concepts that all types of insurance share, it makes it easier to figure out exactly what you're getting out of your existing insurance and new insurance.

The basic concept of insurance is pooling together financial risk for a particularly activity. For example, with car insurance the insurance agency puts together risk pools based on how likely it is that accidents are going to occur, how much it would cost to repair the damage, and the amount of medical claims. Each person buying insurance pays a premium, as well as a deductible, which goes into the insurance claim pool. The insurance company wants to have more money coming in than they have to put out for payments.

Health insurance operates on the same principle, although it deals with many more variables. There are high risk pools that people who have preexisting conditions and other high costing medical issues go into, while healthier people balance out this pool to bring down the costs for everyone.

The deductible is the amount you end up paying for your part of the insurance costs. Once you've ended up paying the deductible, your insurance company pays the costs up to a particular maximum. The full amount they pay depends on the type of insurance you have, and the lifetime limits available. Insurance in Miramar, FL is subject to any regulation changes that may affect the coverage level.

Inland Marine Insurance Coverage in Pembroke Pines, FL

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If you’ve got a lot of particularly valuable items to protect and insure, from art to jewelry or high-end electronic equipment, you might just need an inland marine policy. And that doesn’t mean you have to live close to the water.

What is Inland Marine Insurance?

The term "inland marine" coverage is a bit of a misnomer, born during the earlier days of the country when individuals needed to insure transportable goods and cargo (which were most often shipped by sea). Today, it’s more an independent category of property insurance, though it still goes by the old-school "inland marine" name.

What exactly does it cover?

According to the National Marine Definition, which was created in 1933 and updated in 1976, an inland marine policy includes primary the following:

  • shipments of domestic goods
  • bridges, tunnels, and other transportation devices
  • personal and/or commercial property floater risks

What does that mean FL homeowners?

As a resident of Pembroke Pines, FL (or just about anywhere else), you can purchase an inland marine policy as an extension of your home property insurance. It covers particular items you own, whether they’re valuable collections of art, jewelry, or something else, against all risks, including theft, weather damage, vandalism, and just about anything else that could damage those items.

To find out more about whether an inland marine policy might be a smart choice to protect your investment, take the time to call or stop by. We’ll be able to talk to you about your questions and your specific situation to help make sure those items are covered, whether that means adding additional coverage to your home insurance or purchasing an add-on inland marine insurance policy separately.