Deerfield Beach Homeowners Insurance

What Your Deerfield Beach Home Insurance Policy Needs

Deerfield Beach, FL is located on the northern edge of Broward County and is part of Miami’s metropolitan area. With approximately 75,000 residents, this beautiful beach town offers residents lovely beaches, fishing piers, parks and cultural events. If you own a home in this city, you will want to be sure to protect your investment by purchasing a good Deerfield Beach home insurance policy.

When you are shopping for affordable coverage, you can count on an independent insurance agent in the Trusted Choice® network for help. These agents are able to gather Deerfield Beach homeowners insurance quotes from a variety of highly rated providers so that you can easily compare rates and find the best policy to meet your coverage and budgetary needs. Find an agent near you to learn more.

  • National yearly premium average: $1,034
  • Florida yearly premium average: $1,103
  • 14th most expensive premium in the U.S.

Homeowners in Florida pay higher-than-average rates for their home insurance coverage. Of course, rates can vary significantly from one homeowner to the next, so these figures should be used only to get a general idea of how much you might expect to pay.

Insurance companies will take a number of factors into consideration when they calculate your actual Deerfield Beach home insurance costs. These include but are not limited to the following:

  • The value and rebuilding cost of your home
  • The ZIP code where your house is located
  • The number of claims on your home, i.e., your claims history
  • The type of home you are insuring: primary residence, second home or vacation home
  • The amount of contents coverage you wish to purchase
  • The amount of your deductible

Different insurance companies will arrive at different costs for coverage, so it is a good idea to compare at least three Deerfield Beach homeowners insurance quotes before you make a selection.

Second Home and Vacation Home Insurance

If you own a second home or a vacation home in Deerfield Beach, you will have different home insurance needs. For example, you may keep fewer belongings in a vacation home and need less in the way of contents coverage or you may rent your extra home out to others while you are not using it. Either way, there will be insurance considerations to take into account. Additionally, there are other risks involved when you leave a property uninhabited for long periods of time, so you may need special coverage. A Trusted Choice agent can help you find the right policies to meet your specific needs.

Number of Thefts in Florida

  • National number of burglaries: 37,814
  • Florida number of burglaries: 3,316

The burglary rate in Florida is lower than the national average, but residents of Deerfield Beach should be cautious. In 2013, there were 624 burglaries reported in this city. That equates to about 7.98 burglaries for every 1,000 homes.

Take measures to protect your property such as keeping doorways well-lit; stopping mail service when you are away; and keeping doors and windows locked at night and when you are out. If you install a burglar alarm or motion detection lighting, you may even earn a discount on your Deerfield Beach home insurance policy.

In the event that your house is burglarized, your homeowners insurance will compensate you for your losses so long as you have sufficient contents coverage. Be aware that some of your more valuable belongings may require you to purchase special endorsements in order to be covered in full. This is something you can discuss with your Trusted Choice agent when you are determining how much coverage you need with your Deerfield Beach home insurance.

Number of Catastrophes in Florida

  • Number of catastrophes in Florida: 594
  • Number of tornadoes in Florida: 23
  • Amount of property damage in Florida: $210,240,000
  • 1 in 15 insured homes has a claim each year

Florida residents can experience property damage to their homes because of weather-related events such as hailstorms or because of man-made catastrophes such as kitchen fires. You will want to be certain that the policy you choose will cover you against the hazards that could potentially damage your home such as tornadoes, hurricanes and hail. Also, if your house is damaged, you will want to be sure that your Deerfield Beach homeowners insurance policy is backed by a reputable and responsive insurer.

What Are the Risks in Deerfield Beach, FL?

Residents of Deerfield Beach have a high risk of property damage caused by tornadoes. Since 1950, more than 220 tornadoes have affected residents of this city. One of the worst tornadoes to hit this area touched down 4.5 miles from Deerfield Beach’s city center on March 1, 1980. This F3 tornado caused injuries to six people and caused between $50,000 and $500,000 in property damage. Other hazards residents should watch out for are hurricanes, tropical storms, heavy winds and hailstorms.

In addition, the weather events listed above can sometimes cause flooding in the Deerfield Beach. Unfortunately, flood damage is not covered by home insurance. Your Trusted Choice agent can help you get flood insurance through the National Flood Insurance Program (NFIP) so that you can close this coverage gap in your Deerfield home insurance policy.

Compare Deerfield Beach Home Insurance Quotes

The only way you can be certain that you are purchasing your Deerfield Beach homeowners insurance policy at a reasonable price is by comparing costs and offerings from at least three highly rated and competing insurance companies. Because this can be a time-consuming and often frustrating task, many people skip it and end up paying more than they need to for their home insurance.

That is why it is to your advantage to work with an independent agent in the Trusted Choice network. These agents will take the time to learn your specific coverage needs and will then make rate inquiries for you. That way, you can easily compare Deerfield Beach home insurance quotes for policies that have been customized for you. With offices conveniently located in and near Deerfield Beach, it is easy to find a local Trusted Choice agent who can assist you.

Now, who's ready to get their insurance problems solved?