Homeowners Insurance

The structure of your house Coverage A
This part of your policy pays to repair or rebuild your home if it is damaged or destroyed by fire, hurricane, hail, lightning or other disaster listed in your policy. It will not pay for damage caused by a flood, earthquake or routine wear and tear.

Your personal belongings Coverage C
Your furniture, clothes, sports equipment and other personal items are covered if they are stolen or destroyed by fire, hurricane or other insured disaster. Most companies provide coverage for 50% to 70% of the amount of insurance you have on the structure of your home. So if you have $100,000 worth of insurance on the structure of your home, you would have between $50,000 to $70,000 worth of coverage for your belongings. The best way to determine if this is enough coverage is to conduct a home inventory.

Liability protection Coverage E
Liability covers you against lawsuits for bodily injury or property damage that you or family members cause to other people. It also pays for damage caused by your pets.

Flood: Rising Waters Require Special Coverage
Floods and flash floods can occur anytime, anywhere, in all 50 states — on coasts, in the mountains, along rivers, and in the middle of the desert. In fact, roughly 25 percent of all flood insurance claims come from areas not considered high risk.*

How Can You Protect Against Flood Damage?
The Federal Government runs the National Flood Insurance Program (NFIP), which is why most home and property insurance typically doesn't cover flooding. The government draws a Flood Hazard Boundary Map that divides the country into flood zone risk areas, and their Flood Insurance Rate Map sets the coverage and premiums for those areas.

Please note there is a waiting period before your flood insurance coverage becomes effective:

• The standard waiting period for a Flood Insurance Policy to go into effect is 30 days from the application and premium payment date.
• One exception to this rule occurs when Flood Insurance is required for a mortgage loan, in which case the effective date for Flood Insurance coverage is the loan closing date.

How Can You Protect Against "Non-Flood" Water Damage?
You may need to consider additional water backup insurance. Neither the NFIP, nor your base homeowner's policy, will typically cover water that backs up through sewers or drains or overflows from a sump pump. To be sure you have the right coverage, discuss all of your specific concerns about water damage with your agent.

Umbrella

For additional protection, you can purchase an umbrella or excess liability policy which provides broader coverage, including claims against you for libel and slander, as well as higher liability limits. Generally, umbrella policies cost between $200 to $350 for $1 million of additional liability protection.

Your policy also provides no-fault medical coverage. In the event a friend or neighbor is injured in your home, he or she can simply submit medical bills to your insurance company. You can generally get $1,000 to $5,000 worth of this coverage. It does not, however, pay the medical bills for your family or your pet.

Additional living expenses Coverage D
This pays the additional costs of living away from home if you can't live there due to damage from a fire, storm or other insured disaster. It covers hotel bills, restaurant meals and other living expenses incurred while your home is being rebuilt. Coverage for additional living expenses differs from company to company.

Condominium Insurance

Condominium Insurance HO 6
If you have purchased a condo or co-op, the bank will require insurance to protect its investment in your home. You may, however, need more insurance to cover your personal items, liability or fees that may be charged to you regarding shared areas of the building like the lobby.You will need two separate policies to protect your investment:

To adequately insure your apartment, it is important to know which structural parts of your home are covered by the condo/co-op association and which are not. You can do this by reading your association's bylaws and/or proprietary lease. If you have questions, talk to your condo association, insurance professional or family attorney.
Unit assessment This reimburses you for your share of an assessment charged to all unit owners as a result of a covered loss. For instance, if there is a fire in the lobby, all the unit owners are charged the cost of repairing the loss.

We offer Free Quotes for Affordable Home Insurance from some of the best Home Insurance Carriers in the Sunshine State
If you are looking for affordable home insurance it is beneficial to have quotes and options from more than ONE insurance providers. We shop around for your home insurance solution to find the best deals available from Florida’s  home insurance markets. Home insurance costs vary depending largely on the location and age of your home, how susceptible it will be to natural disasters, like hurricanes and earthquakes, as well as other factors. The easiest solution where our competition suggests homeowners can typically save money is by increasing your deductible to a manageable the premium each year. So in other words, cut your coverage, raise your exposure and let them brag about your savings. Others find affordable home insurance by taking advantage of loyalty programs like bundling offered by insurance companies – they buy both their home and car insurance from the same provider. We do not have to bundle to save you money. We have several home insurance and auto carriers and when we shop, you save and it most likely will save you more than the bundling commitment you have with your current carrier or are offered by someone trying to tie you up with their one offering solution. Many Florida home insurance companies compete with rates, so the best avenue would be to obtain quotes from many different sources and weigh your options accordingly.

We offer all types of Home Insurance Policies with all types of Options

Underwriters for home insurance policies take into account different risk factors. A typical home insurance policy covers most risks a home will encounter, but they have limits that you need to be aware of. Home insurance typically covers explosions, riots, wind, aircraft, fire, lightning, volcanic eruptions, auto accidents, vandalism, theft, smoke, and structural accidents. Home insurance policies can be strengthened by adding additional underwriting for flooding, earthquake and other types of water damage usually for additional costs. Some of our carriers offer options that you need to know about. Just because you have your personal property covered for a high dollar amount, you might be limited in certain coverage areas. Did you know that your wedding ring could be stolen, damaged or lost and not be covered to it’s full replacement value? Did you know you could and should schedule it based on either it’s replacement costs or purchase price? By discussing the needs with our customers first, we offer solutions that would customize a policy to fit their needs and not be packaged to sell a policy.

We offer home insurance for primary and secondary residences, rental homes, investment properties, condominiums, townhomes, duplexes because various types of homes call for their own unique policies. We insure homes that others do not have options for, including homes over 100 years old. We know what insurance you need ONLY after we know you.

Home insurance policies cover the standard risks but can be extended to cover as much as you need, like sinkhole, rain, or interior water damage, like broken water pipes, computers, scheduled personal property, flood, liability, loss of use, ordinance of law, identity theft, equipment breakdown and screen enclosures. It's best to know exactly what your home insurance policy does cover, so you protect your assets before you have a claim.

Comparing Home Insurance Rates from Multiple Providers Can Save You Money

Contacting Florida Sunshine Insurance can lead you to many different home insurance quotes giving you’re the options you might not get from other companies. We provide our service free with no strings attached and most likely have answers to questions that you don’t even have. We ask that you fill out enough information in our secure forms so we know more about you before we offer quotes to fit what we might otherwise think you need. How many times have you been offered a savings for your home or auto insurance from someone who knows something about you! Why would you believe anything from someone you do not know and trust. Our forms only take a few minutes to fill out, however please feel free to contact us via phone with your questions or better yet, stop by our Sanford office. We will put you on your way to finding affordable home and auto insurance if that is your wish. The personal information you provide us with will be secure at all times and we will NOT share your information with any marketing company. Remember, we offer FREE home insurance quotes from multiple carriers, can you see the value in that?

Liability Insurance

Keep Your Family - and Your Assets - Safe

Liability Insurance helps protect you against the financial uncertainty arising from injury (or property damage) that you or your family may cause to other people. It typically even covers injuries whether they happen on or away from your property.

What Does Liability Insurance Cover?

In the event that you or anyone in your household is accused of accidentally causing injury or damage to property, your insurance coverage can help by providing for legal defense fees and, in the event of a settlement or judgment, can pay damages (up to your policy limit).

Imagine if you didn't have liability insurance. Any of your following assets could be at stake:

• Retirement accounts (IRA, 401(k), pension plans)
• Non-retirement investments (stocks, bonds, mutual funds)
• Liquid assets (checking, savings, CDs, money market accounts)
• Personal property (actual value of all your possessions if you sold them: cars, boats, jewelry, furniture, etc.)
• Home and other real estate equity Talk with an agent about limits for this coverage, as coverage is dependent on your particular policy limit.