Insurance is a means of protection from financial loss. It is a form of risk management primarily used to hedge against the risk of a contingent, uncertain loss. In Florida, real estate faces the perils of fire, hurricanes, floods and tornadoes. Protecting your real estate asset will require home hazard insurance and possibly flood insurance. To receive hazard insurance discounts, you may need to have your home inspector prepare a Wind Mitigation Survey and possibly a 4 Point Inspection report for the home. To receive flood insurance discounts, an Elevation Certificate may be required from your surveyor.
FEMA Flood Insurance
50% Rule – FEMA National Insurance Program
FEMA – Flood Map Service Center
National Flood Insurance Program Information
Florida Office of Insurance Regulation
Florida Wind Insurance Savings Calculator
Insurances Brokers/Agents
Below are companies, my customers have used.
Allstate Insurance Company – Pamela Vadas – 239-772-9530
Halbrehder Family Insuranc – Paulette Halbrehder – 239-542-4840
Elaine Jennings Insurance – Elaine Jennings – 239-540-4200
Monteagle Insurance – Theresa Carney – 239-541-2222
Olin Hill and Associates – 239-945-1900
Oswald Trippe and Company – Bruce Ragain – 239-433-4535