Home Insurance

Hurricane and Flood Insurance in Pembroke Pines, FL

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For the last 15 years, Pembroke Pines has gown rapidly. There have been a multitude of buyers and sellers. Some are buying their first home, and others might be buying their third. One thing they all have in common is the necessity of home insurance that covers their residence and insures the loss of the home iteslf, its contents and liability for injury on the premises. If your home is destroyed or rendered inhabitable by a covered risk, most home insurers will also cover your additional housing expenses until such time as your home is either repaired or rebuilt.

A loss of the home would be a major insurance claim. In that context, the most common coverage is known as extended replacement coverage. This is probably sufficient to rebuild or replace your home as it usually tops out at about 125 percent of your home’s appraised value. We can also put an inflation addendum on your coverage so that inflation doesn’t absorb your coverage.

We also recommend that Pembroke Pines, FL home insurance cover hurricanes. Because we’re independent insurance agents and tied in with multiple insurance companies, we expect to match you up with choices of top quality rated insurers for hurricane coverage. Remember that hurricane coverage doesn’t ordinarily cover flooding though. That could cause more damage to your home and contents than the hurricane itself. You’ll need specific coverage for this too.

Hurricanes are natural disasters. They’re inevitable here in South Florida and when disaster strikes, you’ll be pleased that you had the foresight to have covered hurricanes and flooding. You can get an online quote here on our website, you call us, or just stop in. You’ll get honest, objective, and unbiased information from us. We’ll be happy to take the time to talk with you.

 

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Understanding the Layers of Your Pembroke Pines, FL Home Insurance

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Odds are you carry homeowners insurance on your Florida home. If you have a mortgage, your financial institution likely requires it. There are layers to your homeowners insurance you may not be aware of. Here is a closer look at homeowners insurance and what it may encompass.

  • Coverage A Dwelling – This is the part most people think about first when they think of home insurance. It covers the structure of your home.
  • Coverage B Other Structures – This is the portion of your coverage that would cover a shed or detached garaged.
  • Coverage C Personal Property – Personal property includes your clothing, furniture and other personal possessions that may be lost due to a covered peril.
  • Coverage D Loss of Use/Additional Living Expenses – This is worth considering because replacing a severely damaged home could take an extensive period of time. The cost of additional living expenses could be significant.
  • Coverage E Personal Liability – If someone is injured while on your property, this is the coverage that would protect you. It could be a neighbor, friend, or even a delivery person.
  • Coverage F Medical Payments to Others – Provides for the medical expenses to those who may be injured on your property.
  • Additional Coverage – This is supplemental coverage to fill in gaps where your base policy may fall short. Coin collections, stamp collections, art, etc. may be better covered through additional coverage.
  • Exclusions – This portion of your policy will note specifically what is not covered. Common exclusions are earthquakes and flooding.

At McCormick Insurance Inc., we serve the Pembroke Pines, FL area with a range of insurance products to protect what you’ve earned. We are an independent agency that can seek out quotes from multiple companies to find great coverage at a good price. Visit our website to get an online quote for your homeowners or auto insurance. We look forward to assisting you.

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Home Insurance: Ensuring Carpet Damage And Other Things Are Covered

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Pembroke Pines, FL is located on the East Coast of the state, sandwiched between the two metropolitan cities of Fort Lauderdale and Miami. This offers a variety of commute options for work as well as plenty of recreational opportunities for singles, couples, and families. It’s also a close drive to the Atlantic Ocean where there are beaches, surfing, fishing, and other ways to stay active outdoors.

When you’re a homeowner, you will want to make sure your home insurance covers everything on your home in 33024. This can be a task if you’re not working with an agent and that’s why we’re here to help. We can help you get a cheap policy that still covers you against any kind of damage.

Living in Florida, there are going to be storms and even hurricanes periodically, especially during the summer months. If you experience carpet damage, you will want the insurance company to cover it all. For them to pay the claim, you need the coverage.

Our independent agents can look to see what the most common claims are within Pembroke Pines so they can make sure your home insurance policy has coverage to include it all. We can find out how carpet damage is covered and ensure that it protects your home when there are storms, floods, and anything else that can take place.

Peace of mind is something important to have when you own a home in the 33024 ZIP code. If something happens, you want to make sure that it can be taken care of. The home insurance company should pay so you don’t have to. The most you should have to pay is the deductible.

Learn how to get cheap insurance and be covered for it all by calling an agent today.

Protect Your Home from Unexpected Smoke Damage

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Take a few hours out of your busy schedule to visit local sites in Pembroke Pines, FL. Living in the 33024 area of Pembroke Pines gives your family many opportunities to go on outings together. Take home a variety of fresh fruits and vegetables offered at Stile’s Farmers Market. From bananas and pineapples to avocados and limes, you’ll find many interesting choices for reasonable prices.

Spend an entire day at the Young At Art Museum where your kids can learn more about art in a fun and relaxing environment. When visiting the Young At Art Museum, you won’t experience boredom because you can enjoy drinking a craft beer or listening to live music. Enrich your palate when you visit the posh Capriccio’s Ristorante. You’ll have a chance to eat delicious Italian fare while enjoying musical entertainment.

While reviewing the fine print in your homeowners insurance policy, you may want to contact our office in Pembroke Pines and speak with our agent about smoke damage coverage. Your policy may not cover smoke damage that occurs because of a faulty chimney. Your standard homeowners insurance policy may not cover smoke damage that occurs because someone in your family leaves a burning cigarette on your sofa or bed. However, if smoke damage is caused by an accident that is not your fault, your homeowners policy can protect your finances.

When in doubt about whether you have sufficient coverage for an accidental fire that results in smoke damage to your home in Pembroke Pines, FL, the best thing to do is to visit our website, get a free quote, and then contact our insurance agency. Once you speak with our agent about smoke damage protection covered by your current homeowners insurance policy, you’ll have a better perspective.

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.