According to the Insurance Journal, home insurance in Florida costs about $1,000 per year more than it does in other states. The reason for this is that there are several natural disasters that can damage homes and personal property. In fact, Florida leads all states with over 496 reported storm events between 1980 and 2014. Homeowners insurance helps protect your family from these financial burdens by reimbursing you after a disaster strikes your home.
Florida is the most disaster-prone state in the United States. It’s also one of the states that pays out more for home insurance claims than any other state. If you live in Florida, your family could be at risk if a natural disaster strikes your area. You may not even know how much damage a hurricane or tornado can cause to your home and personal property until it happens.
Hurricanes and Tornadoes are the Most Common Disasters that Cause Damage to Homes
Hurricanes and tornadoes are the most common natural disasters that cause damage to homes in Florida. Unfortunately, these storms can happen at any time of year. In fact, hurricanes have been known to strike during the winter months.
Even if you live in an area that is not prone to major weather events, it’s important for you to protect your family with a homeowners insurance policy from one of our trusted partners. There are several reasons why this type of coverage is so important when it comes to protecting your home and property against natural disasters.
Floods can also Lead to Water Damage in a Home
Floods can also happen in Florida, and they can lead to water damage in a home. When heavy rains fall on an area that has already received precipitation, it may cause flooding. This can happen when there is not enough drainage for the water to go through, such as from storm drains or rivers.
You should have flood insurance if you live in an area where floods occur frequently. It’s also important to be prepared ahead of time with emergency kits and sandbags in case your community gets hit by a flood before you know it’s coming.
If you would to like to discuss your options for homeowners insurance please call us at 561-732-9305 our quoting hours are Monday through Friday from 8:30 AM to 5:30 PM. In addition, you can request a quote online. Please remember, We Handle All the Work, While You Save!
Robert Macoviak is the President of Oyer, Macoviak and Associates. Oyer, Macoviak and Associates is the oldest independent insurance agency in Boynton Beach and has been in business since 1953. Oyer, Macoviak and Associates are vested members of the community who are committed to doing business face-to-face and being your insurance advocate in times of need.