Step-by-Step Guide to Best Florida Homeowners Insurance Rates
At Term Brokers, we specialize in helping our customers get the best Florida homeowners insurance rates. We do this by ‘reshopping’ your policy with our extensive network of Florida insurers. To prepare us for the ‘reshop’ we recommend you have answers to the following questions. We understand that rates have been climbing seemingly without end. […]
Flood Insurance Options for Florida Property Owners
Living in Florida, you’re aware of the constant threat of floods. Part 1 of this series explained why – the state’s low elevation, proximity to water, and frequent severe weather make most areas susceptible to 100-year flood events. Part 2 covered key concepts like Base Flood Elevation (BFE), freeboard, and elevation certificates. Now, let’s explore […]
Fortify Your Home: A Homeowner’s Guide to Flood Mitigation in the Florida Panhandle
A 3-part primer on flood insurance in Florida Part 1: Why do I need Flood Insurance in Florida Part 2: This article focused on flood mitigation Part 3: Coming soon The Florida Panhandle is no stranger to Mother Nature’s fury, with hurricanes often making landfall and leaving a trail of destruction in their wake. For […]
Why Do I Need Flood Insurance in Florida?
Fortifying Your Home: Part 1: This article Part 2: A Homeowner’s Guide to Flood Mitigation Part 3: Coming soon Florida is a large mostly flat coastal state Florida is a very flat state compared to most. The highest point, Britton Hill in Laurel Wood Park is a mere 345 feet above sea level in Walton […]
When is Flood Insurance Required?
Florida Flood Insurance Requirements We are seeing the effects of the passage of 2022 Senate Bill 2A. The most obvious is that many Citizens’ policyholders must purchase flood insurance. Effective March 1st, flood insurance is no longer an option for homes valued at $600,000 or higher! The value drops $100,000 annually through 2026; in 2027, […]
Weather the Storm with Smart Home Insurance Savings
Tips for managing Florida’s insurance squeeze Sunshine State dreams are getting soaked by a financial storm. Florida’s homeowner’s insurance costs are surging, leaving many wondering if they can keep their roofs afloat. But fear not, fellow Floridians! This blog post is your life raft, guiding you through the choppy waters to calmer shores of affordable […]
Unlock Success: 10 Essential Tips when purchasing your 30A investment home
Buying a 30A investment home can be a solid decision. The Emerald Coast, especially the 30A area, is undeniably one of the hottest tourist spots in the country. With top-rated golf courses like Greg Norman’s Shark Tooth Golf Club, fine dining options, and golden beaches, the 30A has everything you could want from a vacation […]
5 Ways To Reduce The Cost of Your Home Insurance
5 ways to save $$$ on your Florida home insurance As a homeowner, protecting your biggest investment is important. Home insurance offers invaluable peace of mind and security. The good news is that you can make some changes and save on your premiums. Don’t let costs discourage you from protecting your home and family. Instead, […]
Insuring Your 30A Home for Rental: What Insurance Do You Need?
Robust 30A Vacation Home Insurance for your Desirable 30A Property Owning investment property in a highly coveted location is truly an opportunity worth seizing. You have the potential to earn significant income by renting, but it’s important to ensure your investment is fully protected. Fear not, because understanding your insurance options is simpler than you […]
10 Questions To Ask before Buying A Home In Florida
10 QUESTIONS TO ASK BEFORE BUYING A HOME IN FLORIDA A home is a significant decision, especially when buying a property in a unique location like Florida. The Sunshine State offers beautiful landscapes, a vibrant lifestyle, and year-round sunshine, but it also presents particular challenges and considerations that potential homebuyers should be aware of. Before […]