Fort Walton Beach Homeowners Insurance

What Your Fort Walton Beach, FL Homeowners Insurance Policy Needs

Find the right homeowners insurance policy for you.

The most beautiful beaches in the world and a mild year-round climate are not the only attractions that are bringing more people to Ft Walton Beach, FL and the Panhandle every day. As the home of the prestigious Eglin Air Force Base, the city and surroundings are home to a large number of military personnel as well. It’s a great place to live a good life. But while the weather is the main attraction, it’s also the biggest concern for homeowners as hurricanes blow in off the otherwise placid Gulf of Mexico. For residents of Fort Walton Beach, home insurance is a necessity.

Your Independent Insurance Agent can help you find the best insurance to fit your home and your budget. By shopping around for multiple quotes, your agent can get you the coverage you need at the most affordable price possible. You can contact an agent today to get the coverage you need. On average, homeowners pay a little bit more for homeowners insurance in Florida compared with the rest of the U.S.:

  • Nationally, homeowners insurance averages $1,034 per year.
  • In Florida, the average is $1,103 per year.
  • This ranks Florida 14th overall in homeowners insurance.

Basically, there is one major natural disaster that you have to be protected against in Fort Walton Beach – hurricanes. When they strike, the damage is widespread and expensive to fix. Many other factors are used to determine the cost of homeowners insurance, however, including the size and condition of your home. Every house and lifestyle is different, so it's important to obtain a quote that is right for you.


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Our independent agents shop around to find you the best coverage.

Fort Walton Beach Second Home and Vacation Home Insurance

Normally, you should insure any second home the same way you would your primary residence. However, many people elect to carry less insurance on their homes to save money – by not insuring the contents to the same level. This means you are taking on the risk yourself. So it’s important to understand what coverage you have. A second home in Fort Walton Beach can be more expensive to insure because of the potential for theft or vandalism. With no one there to watch it all the time, there is more risk of something happening. You can keep this to a minimum by living in a gated community or a multi-family dwelling as well as having your own security system.

Number of Thefts in Florida

Your homeowners insurance covers thefts from break-ins at your home. Florida reported considerably fewer thefts in recent years:

  • The average state reported 37,814 thefts from homes.
  • Florida reported only 3,316 per year.

While not a particularly big concern in Fort Walton Beach, having coverage for burglaries is still important. You can opt for many levels of coverage on the contents of your home, with the most affordable based on current value. There is also coverage at full replacement value if you want, which guarantees that in the case of theft you can have everything replaced as if nothing ever happened in the first place.


Save on Home Insurance

Our independent agents shop around to find you the best coverage.

Number of Catastrophes in Florida

Weather is what people love about Fort Walton Beach. But when it turns sour in the Gulf of Mexico, it can be deadly:

  • In recent years, Florida reported 594 recorded catastrophes, nearly all storms.
  • There were also 23 reported tornadoes in Florida that period.
  • Over $210 million in property damage was caused by catastrophes.
  • About 1 in 15 insured homes have a claim every year.

You can never predict exactly when a hurricane might strike until just a day before. Being prepared for a storm takes planning and the right insurance. If your home has well-built hurricane shutters and is in good repair, you can often get a discount on your insurance. After the storm hits, you also want to be with a carrier that pays out without a lot of hassle so that you can get your home repaired quickly – and get back to enjoying the good life of Fort Walton Beach.

What Are the Risks in Fort Walton Beach?

Beyond storms and theft, there are always items that influence your insurance policy that you may not think of on your own. If you have a swimming pool, for example, it may be considered an “attractive nuisance” that can injure people – whether you invited them onto your property or not. A trampoline falls into the same category. You can take steps to minimize this risk with a fence. Some insurance companies will even lower the cost of your premium for that effort.

This is why the best insurance for you is not always the cheapest. Whether cleaning up from a storm or giving you credit for the improvements you make to lower your risk, every insurance company is as different as your home is. It’s important to understand your insurance coverage and be sure that you have what you need.

Compare Fort Walton Beach Home Insurance Quotes

For all your homeowners insurance needs, there is no one more important than your Independent Agent. Because agents live right here in Fort Walton Beach, they know which insurance companies will work with you and which are the most dependable after a hurricane. They will also give you multiple quotes so that you can compare your options. 

Talk to an agent today to find the best homeowners insurance for yourself.

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