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Is It Time to Upgrade my Home Insurance Policy?

Home insurance protects your building structure and the contents inside against perils like fire, theft, natural disasters, etc. Homeowners’ insurance protects you against liability claims and pays for additional living expenses when your home is rendered unlivable.

While home insurance can save the day when the unthinkable strikes, the policy needs to be updated to cover your current needs. At First Florida Underwriters Inc., we recommend reviewing your home insurance policy at least yearly. Several factors can also prompt you to have a second look at your home insurance. These include:

Significant home improvements

Significant renovations and additions increase the value of your home, and the current policy won’t cover you adequately when your home is damaged. If you make a significant upgrade to your kitchen or add another structure, talk to your insurer to update your policy.

You start a home-based business.

Your home insurance covers your home, its contents, and liability claims not related to your business. So, if your customer trips on the floor of your home while attending a business meeting, home insurance won’t cover their medical costs. Talk to your insurance for add-ons to cover your home-based business.

You bring a dog

There are not many exciting things like welcoming a dog to your home. However, sometimes dogs can cause liability claims, which can be exorbitant. Let your insurer know when you have a dog in your house. Even if it’s a mild-mannered dog, inform your insurer because they can bite when stressed.

Home insurance in Florida

Need to learn more about home insurance in Orange Park, FL? Please book an appointment with First Florida Underwriters Inc. for more insights. We will help you understand your policy and whether it needs any adjustments.

Benefits of Home Insurance

Though residents of Orange Park, FL are not required by law to have homeowner’s insurance, it is still well worth considering. At First Florida Underwriters Inc, we want to be sure you understand the benefits of carrying home insurance.

Protects You and Your Family From Loss

No one wants to lose their family home or personal belonging, especially knowing how hard you worked for them. Unfortunately, while we can take precautions and safety measures, we cannot always prevent trouble from happening.

This is why it is so important to have home insurance. It may not be able to stop a fire from breaking out or a storm from ripping off your roof, but it can help you to pick up the pieces if disaster strikes.

Home insurance can help you and your family rebuild and replace damaged items so that you can regain some sense of normalcy as quickly as possible.

Protection From Lawsuits

Homeowner’s insurance offers liability coverage. If someone should get hurt on your property, your homeowner’s insurance should cover their medical bills, which can help you stay out of court. If you end up in court due to the injury, though, it can help cover attorney fees.

Help In Extreme Circumstances

In addition to rebuilding and replacing items, home insurance can help cover living expenses if you cannot live in your home due to a covered event. Having damage done to your home is traumatic enough.

Having to figure out how you will provide your family with somewhere to stay afterward is something you should not have to face. Home insurance can help with this so you can focus on what you need to: Healing emotionally- sometimes physically- with your family.

Peace of Mind

We all need a little more peace in our lives. Sometimes just knowing you have done all you can to protect your family can help you live more stress-free. Having home insurance gives many people peace of mind and helps them feel prepared.

Give First Florida Underwriters Inc. of Orange Park, FL a call today to see how little it takes to protect your family’s home.

Reasons you should create a home inventory in Orange Park, FL

It’s hard to think about losing your home in a disaster or having your belongings damaged. It’s even harder, though, to think clearly after a devastating event happens, which is why you should create a home inventory. First Florida Underwriters Inc has compiled a list of the top reasons you should create a home inventory.

1. It helps you get the right insurance coverage

When you create a home inventory, you’ll take stock of what you have in your home so you know how much insurance coverage you actually need. For example, if you have a lot of original artwork in your home, this may not be covered by your basic home insurance policy.

2. It speeds up the claims process

When you need to make a home insurance claim, the insurance company will want to know what your damages are and what the items were worth. If you don’t have a home inventory, it will take much longer to determine this information.

3. It ensures you’ll be compensated the proper amount for your losses

Your home inventory will include accurate information about your items so they won’t be undervalued when you file a claim.

4. It saves you time

It may seem time-consuming to create a home inventory now, but it is much easier to do when you can see everything in your home. Going back after items are missing or destroyed is much more difficult and time-consuming. Chances are, you’ll forget about a few items as well.

It may seem like a burden to create a home inventory now, but you’ll thank yourself later should you ever need it for your home near Orange Park, FL. We hope you never actually have to use your home inventory, but if you do, the insurance agents at First Florida Underwriters Inc are here to help.

What Is Not Included In Home Insurance Policies?

There are a number of things that may not be included in a home insurance policy. You want the very best for your home in Orange Park, FL. This means you have to look at the fine print so you don’t encounter any surprises. First Florida Underwriters Inc can also work with you to ensure you get the coverage that you need.

There are four things covered in a standard policy:

  • Liability protection
  • Personal belongings
  • The structure of your home
  • Additional living expenses

What’s not covered includes detached garages, pools, and other structures that may be found throughout your property. These would have to be added above and beyond your standard policy.

You also have to look at the kind of damages you are protected against. For example, your policy will provide coverage against fire, theft, hurricanes, lightning, and various other disasters that may be listed within your policy. However, you would not be protected against floods or earthquakes. You would need to add these as riders to your policy.

Various damages as a result of routine wear and tear will also not be covered by a home insurance policy. This would require a completely different insurance policy altogether.

Knowing what is and isn’t covered is critical so that you know whether you will be covered in an insurance claim. If you aren’t covered, the expense is on you as opposed to being covered by the insurance company, minus the deductible that you have to pay per your policy details.

At First Florida Underwriters Inc, we have independent insurance agents who can help you with your home insurance policy. We will work to ensure that you have sufficient coverage for your home in Orange Park, FL. It will make it easier for you to enjoy your home without wondering if you have enough protection.



What Items Should Be In Your Emergency Travel Kit?

No matter if you travel across town or across the country, having an emergency kit in the trunk of your car can be a life-saver. At First Florida Underwriters Inc, agents serve residents who live in the Orange Park, FL area. Agents understand the need for having an emergency kit and are willing to help their clients gather the items they need to stay safe while they are on the road. 

For You

If you get stranded along the roadway due to your car breaking down or an accident, there are several things you can keep in your trunk to keep you safe. A few of the most common items include:

  • Handheld flashlight
  • Blanket
  • Bottled water
  • Snacks
  • First aid kit

You can add other items that are used by your family, especially if you have small children.

For Your Car

When it comes to the items you need for your car, you can include:

  • Jumper cables
  • Flares
  • Reflective triangle
  • Small tool kit
  • Tow rope

Placing a box in your trunk that contains the items for both you and your vehicle will help keep you safe and out of harm’s way if an emergency happens. You will also have everything you need in case you come across another motorist who is stranded along the side of the road. 

Residents who live in Orange Park, FL can always turn to the agents of First Florida Underwriters Inc if they have questions about what they should put in their emergency kit. Call and schedule an appointment with your agent today to go over your auto and home policies. It’s also a good time to ask any questions you may have about staying safe while you’re traveling. 

What Types Of Roof Damage Are Normally Covered By Insurance?

The agents of First Florida Underwriters Inc work with the residents of Orange Park, FL to find the right homeowners policy that fits their needs. In Florida, there are additional types of coverage that may be beneficial. Hurricane and flood insurance are commonly sold due to the winds and rain that accompany strong storms. Strong winds and heavy rain can also cause extensive damage to a home’s roof and gutters.

Storm Damage

If a roof is in good condition, the strong winds that accompany hurricanes and tropical storm can loosen shingles or tiles. The stronger the winds, the more likely it is for damage to occur. In most cases, if a homeowner has hurricane insurance any damages caused by storms can be turned in by filing a claim. The damages will have to be assessed and estimates received on how much it will cost to make the necessary repairs.

General Wear and Tear

Part of the inspection will determine how much of the damage is the result of general wear and tear. If the roof is more than a few years old, broken or damaged shingles can compromise the integrity of the rood causing leaks inside your home. Yearly roof inspections and regular maintenance will reduce the impact of general wear and tear.

Residents who live in Orange Park, FL can always call the agents at First Florida Underwriters Inc if they have questions concerning their homeowners insurance and what types of roof damage it covers. Each agent is bonded and licensed with years of experience. Call and schedule an appointment today so you have all of the answers you need.

Valuing the Invaluable: Choosing the right homeowners Insurance

It is important to protect yourself with homeowners insurance since owning a home is one of the most valuable investments. In as much as the price is important when choosing the right cover, it is necessary to look at the insurance providers’ overall quality before consideration in order to get the most out of your money. The four main factors to consider include:

  • Claims processing

In the event of damages in your home, battling with an insurance company that you have been making payments to can be a nightmare considering the conditions surrounding the entire process of filing a home insurance claim. It is of significance to get an insurance company which you can easily contact the agent who will ensure timely payments.

  • Customer Service

Customer satisfaction is another important factor to consider. As a policyholder, it is comforting to know you can simply contact an agent who will treat you fairly and expedite the process of reimbursement without any hustles and inconveniences.

  • Coverage options

Most home policies cover damages for personal property, dwelling coverage, and liability insurance. Nevertheless, natural disasters like floods and earthquakes are in most cases deemed to be added as an additional policy. Apart from the standard home coverage options, an insurance provider that has other catastrophic coverage options to complement the basic options should be considered before making a purchase. We at First Florida Underwriters Inc. in Orange Park FL, offer additional policies.

  • Financial stability

It is important to investigate the financial stability of an insurance company before buying a home insurance policy because there have been rising cases of insurance companies failing to pay claims and policyholders losing their policies. This can be done by getting the company’s current financial statement and look at their growth rate and profitability or searching online resources in order to get a clear insight of the company’s financial strength.

In case you are a homeowner, visit Orange Park, FL agents with First Florida Underwriters Inc., to help you get the right policy that suits your needs.

How Long Do you Have to File a Home Insurance Claim?

Filing a homeowner’s insurance claim is not something that many of us want to deal with. Sadly, more people than you may imagine deal with homeowner’s claims each and every day. For those that live in the area, the agents with First Florida Underwriters in Orange Park, FL can help you determine how long you have to file your home insurance claim.

For the most part, the time limit when it comes to filing a home insurance claim is going to vary between agencies. Some allow up to a year while others require you file within a few months. Some agencies even set the time limit at 30 days requiring that the incident be reported and a claim filed within 30 days of the occurrence.

It is very important that when you have a homeowner’s claim that you want to file, that you take the time to gather your proof and file as quickly as you can. This is going to reduce the likelihood that your agent or agency is going to be able to or want to reject the claim and leave the burden of repair on you. When you take on a new policy you should read the policy to find out just how long you have and how to go about filing.

When preparing to file a claim you first want to make sure you take the time to gather proof in the form of photos so that you can show them to the adjuster when they come to assess the damage. Though they will take their own photos, it can take up to a week for an adjuster to come and things are bound to look different in the span of a week. No matter how you go about filing your claim, the agents with First Florida Underwriters in Orange Park, FL can help.  

The Importance of Changing Your Home Insurance Policy After Home Renovations

Here at First Florida Underwriters Inc, one of the questions that we are often asked is whether your home insurance policy should be changed after home renovations are made. Here is how we answer this question. 

Following home renovations, we strongly encourage those insured by us to consider changing their policy. First, you should have an appraisal done on your home to determine the estimate value of your home. Following renovations, you may have significantly increased the value of your home. If your policy is not updated, it may not reflect these changes and you could be paid out less than your home is worth. Home insurance does not pay what your home is worth if your home is worth more than the limits on your policy. 

Secondly, we strongly suggest letting your insurer know what renovations you have made. If you have replaced old carpet with new carpet, there may not be a huge discrepancy with the insurance company as long as you retain the receipt. But if you ripped out old carpet and laid down slate tiles, you have changed the materials used in the home, which may cause affect any money you receive if something were to happen to your home. As such, you want to ensure that the insurance company knows what materials are used in your home so you can be properly compensated if the flooring is damaged, the countertops are damaged or if your home winds up being a total loss. 

If you have made renovations to your home, now may be a great time to look into changing your home insurance policy. If you are looking to obtain a new policy, contact First Florida Underwriters Inc today for a free quote for home insurance. 

Home Insurance Necessary for Suburban Floridians

Life in an active suburban community requires good home insurance. Accidents can, and will, happen if you allow your home to be used for neighborhood activities. And, when something bad occurs, it usually does when you least expect it.

Without adequate home insurance, you will need a lot of money saved up to take care of the bills. Some households have gone into bankruptcy after being sued by someone hurt on the property, Do not let this happen to you.

Fortunately, you can better avoid such problems by speaking with the professionals at First Florida Underwriters Inc. The staff understands how it is to live in a large suburb.

To help you know what to discuss when you contact an insurance agent, the following are some of the types of accidents that befall homeowners in Orange Park, FL and beyond.

1. Visiting Kids Can Slip and Fall

Like most families, yours probably plays host from time-to-time. The neighborhood kids stop by to swim in the pool or play soccer in the backyard. All goes well in most instances. But, a kid can very easily slip and fall, hurt their head. Their parents will probably want to sue you for the exorbitant medical bills.

2. Guests Can Lose Expensive Items

You may also be held responsible for guests who cannot keep track of their expensive items.

Someone may have fine jewelry, take it off and then upon leaving, realize it is missing. They will want you to pay for a replacement, probably claiming you failed to make your home a secure environment.

3. Pets Can Attack Visitors

Of course, your dog, cat, or other pet is nice enough when you are around. But, how about when alone? You never know, right?

Animals have been known to take a bite out of postal carriers, delivery drivers, and maintenance personnel. When these attacks happen, the owner usually has to foot the bill.

Get Fully Insured Today

Litigation can be expensive. You probably cannot afford a lawsuit alone.

Purchase a comprehensive home insurance policy, and perhaps even some umbrella coverage, because this security is a virtual necessity in Orange Park, FL.

Be sure to ask the experienced staff at First Florida Underwriters Inc about the appropriate policy for your situation.


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