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These Factors Could Affect Insurance Costs

February 27, 2017 at 10:15 pm | No comment | Category: family safety, Homeowner's Insurance, Liability

homeowners insuranceHome insurance is a necessary expense that comes with owning a home. Homeowners insurance will cost the average person hundreds or even thousands of dollars per year. There are plenty of factors that contribute to the price you’re paying – whether it be your furry friend living with you or having an alarm system.

Whether you’re getting an insurance policy for your first home or renewing your current homeowners insurance policy, you may be able to substantially reduce your insurance rate by following a few simple guidelines.

Assignment of Benefits

February 10, 2017 at 9:34 am | No comment | Category: Homeowner's Insurance, Liability, Storm Season

homeowners insuranceBeing a Florida homeowner can come with a lot of risks – a lot of them being weather related. Before the 2017 storm season, you may need to consider getting work done on your house prior to or after a storm approaches. Before you hire a contractor, there are things you need to be aware of. Check out this list of important information regarding an Assignment of Benefits, and make sure you’re prepared before you sign an agreement.

Home Insurance – Does Yours Cover Fallen Trees?

November 4, 2016 at 6:31 pm | No comment | Category: family safety, Homeowner's Insurance, Liability

family safetyThe holidays are just around the corner but Florida homeowners know that hurricane season is here for a few more weeks. Even though it’s time to start planning for your winter parties, bad weather could make it hard to get in the holiday spirit. For many homeowners, fallen trees are one of the most common issues that come up during hurricane season. Make sure you’re prepared for fallen trees with regular home maintenance steps and the best homeowners insurance coverage from Southern Oak Insurance.

What to Consider When Buying a New Home

August 19, 2016 at 8:32 pm | No comment | Category: family safety, Homeowner's Insurance, Liability

home insurance coverageSure, you know all about location, location, location. Buying a home near good schools, good shopping, city centers or water is always a good idea. But what about those home-buying considerations you don’t usually hear about? Let’s take a look at some of the most common factors homeowners should – but often don’t – think about.

Why Flood Insurance Isn’t Like Your Homeowners’ Insurance

June 6, 2016 at 2:10 pm | No comment | Category: Flood Insurance, Homeowner's Insurance, Liability

flood insuranceWhen it comes to protecting your home and your financial assets, having adequate homeowners insurance coverage is of paramount importance. And when you think about it, it’s a great value too: For a relatively small cost per month (or year for annual premiums), you can have the peace of mind that comes from knowing your home, your possessions and even your bank account are protected in the event of a natural disaster or other event.

5 Things You Should Know About Flood Insurance

May 16, 2016 at 7:34 pm | No comment | Category: Flood Insurance, Liability

flood insurance
Floods are the most common cause of weather-related home damage in the U.S., accounting for an average of about $4 billion in losses every year. Hurricane Sandy alone resulted in almost $7 billion in National Flood Insurance Program claims, and Hurricane Katrina NFIP payouts amounted to more than $16 billion. Even with those federal programs in place, homeowners who lacked flood insurance policies wound up paying substantial out-of-pocket costs which were, in many cases, financially devastating. With this year’s hurricane season just around the corner, understanding flood insurance – what it covers, what it doesn’t cover and whether or not you need it – is especially important. Here are the top five things you should know:

When Should I Talk With a Homeowners Insurance Agent?

May 3, 2016 at 6:11 pm | No comment | Category: Homeowner's Insurance, Liability

WhenMost people think you only need to talk to a home insurance agent when you need to file a claim, such as when a tree falls on your roof or a fire or storm damages your property. But actually, you have plenty of reasons to talk to your homeowners insurance agent that have nothing to do with filing a claim, and most of those reasons might help you save money. Here are six examples of when it can pay – literally – to talk to your home insurance agent:

What’s Covered in Your Homeowners Insurance?

April 29, 2016 at 6:49 pm | No comment | Category: Homeowner's Insurance, Liability

homeowners coverageHomeowners insurance plays a critical role in ensuring your assets are protected against many types of losses. But while the average policy provides adequate coverage for most needs, many homeowners aren’t really sure just which losses are covered and which aren’t– until it’s time to make a claim and they find they don’t have the coverage they thought they had.  If that sounds like you, never fear- here’s a quick review of the coverage types provided by most standard homeowners policies and what you should do if you need more coverage.

Safety for House Guests Around the Holidays

December 7, 2015 at 4:57 am | No comment | Category: Home Organization/Cleaning, Liability

Houseguest Hazards for Florida Homeowners

The holidays are a wonderful time of year, full of joy and cheer. It is a time you might see family and friends from around the country; however, it is also one of the most accident prone times of the year as well. With guests visiting your home, make sure to follow these tips to keep all of your house guests safe, no matter their age, during holiday visits.

Homeowners Insurance Florida – The Most Common Policy Limits

February 4, 2015 at 8:16 am | No comment | Category: Homeowner's Insurance, Liability

homeowners insuranceEven when perils are covered by your home insurance, policies have limits. That means it is very important to make sure you have high enough limits for your building, structures, personal property, and especially, liability. Consider some typical limits for Florida homeowners insurance policies.

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