If you dream of living in a place with endless beaches, some of the world’s best fishing and nonstop tropical breezes, Melbourne, FL is your dream come true. This beautiful city boasts quick access to the Indian River Lagoon, the Kennedy Space Center, and numerous shops and restaurants. Whether you choose to live in Melbourne full time or purchase a second home in this area, make sure you find a reliable Melbourne homeowners insurance policy. Trusted Choice® Independent Insurance can help you select the most affordable home insurance plan that will best protect your home from the city’s most worrisome threats.
Florida’s home insurance rates are just slightly above the national average. It’s important to remember that there are several factors that determine how much you pay for your homeowners insurance. Your home's size, age and location and the incidence of any high risk factors make a big difference in your premium. If you live near the water or have a swimming pool, trampoline or aggressive dog breed, you will probably end up paying a higher rate for home insurance in Melbourne.
Melbourne’s laid back beach atmosphere makes it the perfect place to buy a vacation home or investment property. Whether you plan to use your Melbourne home for family vacations or for a rental investment, you need to have the right kind of home insurance. Trusted Choice Independent Insurance Agents can guide you toward the policies that are best suited for second homes and can help you save by bundling coverages with your primary residence insurance.
While Florida’s overall burglary rates are much lower than the national average, crime is still a concern. Melbourne faces a worrisome crime rate, reaching 37.86 percent higher than average. Take measures to protect your home against break-ins by installing a security system, motion-activated lights and reliable deadbolt locks on all doors. Most importantly, choose a home insurance plan that includes total coverage for theft.
Florida’s beautiful beaches are very appealing, but those same coastal areas deal with the highest rates of natural disasters. Hurricanes, tropical storms and flooding are all serious concerns for Florida homeowners, and property damage can get expensive after even one major catastrophe. Home insurance gives you a buffer of protection against local weather threats. If a major storm causes damage to your property, your homeowners insurance steps in to pay for repairs.
Melbourne is located in a high risk hurricane zone. There have been 66 hurricanes recorded in the city since 1930, and the threat looms large every year during the summer and fall. If you own a home in Melbourne, you simply can’t afford to skimp on homeowner’s insurance. There is too much at stake with the unpredictable coastal weather and high risk for flooding.
As you shop for Melbourne home insurance, take time to compare quotes to get a better rate. Trusted Choice Independent Insurance offer quotes on multiple policies in one convenient place, saving you time and money as you search for the right home insurance plan. If you’re searching for a comprehensive homeowners insurance policy at an affordable rate, our friendly agents can help. Contact a Trusted Choice Agent today to get your free quote and to compare rates on home insurance in Melbourne.