Life on the Treasure Coast of Florida is relaxed and easy, away from the constant motion of the big cities. The growing community of Fort Pierce is a great place for young families who have settled here in search of the good life Florida has to offer without a lot of stress. Having a home here means buying home insurance, and to find the best Fort Pierce homeowners insurance for your lifestyle can be daunting.
Your Trusted Choice Independent Insurance Agent will help you navigate the options and find the policy you need to cover your risks so that you can enjoy the good life worry free. By obtaining multiple quotes from many different companies they will get you the coverage you need at the most affordable price.
It costs a bit more than the national average to insure a home in Florida for one main reason - hurricanes. The stats from 2014 show this:
Storms don’t blow in every day, but when they do there is widespread damage that is very costly. Fort Pierce in particular is a known as a major landing place for hurricanes, and this reflects in the cost of insurance.
Finding the right Fort Pierce home insurance is a bit more complicated for a second home. Many owners of vacation homes prefer to have less coverage overall, taking on the risk for themselves. This is a risky thing to do which doesn’t always save you money in the long run.
For example, full coverage of contents is often left out of a vacation home policy. That happens because coverage is more expensive for a home that is vacant most of the year with no one to watch over it. But you can save money by living in a gated community, multi-family complex, or by simply having a security system. That can be the difference between having full coverage and not for many homeowners. Generally, it’s best to cover a second home the same way you would cover your primary residence.
Coverage from theft is more affordable in Fort Pierce than you may think because Florida has a lower than average rate of home break ins.
Any homeowners policy will cover damage to the home from any break-in, as well as any other property that is considered part of the house. You can also choose to cover the contents of your home at replacement value or at current value, depending on your needs. Whatever you choose, rates are relatively low in Fort Pierce because of the lower rate of theft overall. It is best to get a quote for every option so that you can decide what is affordable with your budget.
Despite the great year-round climate in Fort Pierce, weather is still the main driving force behind the cost of homeowners insurance. In 2014 there were:
Being insured against losses from storms of all kinds is important to being able to get back on your feet after the devastating losses associated with storms. The best insurance for you is often about much more than cost and coverage, however, as you will want a policy that pays out quickly when disaster strikes. That’s where a Fort Pierce based Trusted Choice Independent Agent makes all the difference - their experience tells them who the best carriers are for the area when it’s time to put things back together.
Aside from storms and break-ins, the liability you take on simply by owning a home is large. For example, if you have a swimming pool like so many do on the Treasure Coast you also have an “attractive nuisance” that may cause injuries from drowning, horseplay, and so on. Even if someone is not an invited guest on your property they can still sue you for any injuries they incur at your home. You need to be covered for a wide variety of potential risks, some of which you may not even be aware of.
Talk to your Trusted Choice Independent Agent to find the best homeowners insurance that fits your home, your lifestyle, and your wallet. With their extensive knowledge of the companies that cover homes in Fort Pierce they will find the quote that works for you.