Ormond Beach is a small city of about 40,000 residents, located in Florida’s Volusia County. Residents are attracted to this city because of its beautiful beaches and plentiful shopping, dining and entertainment venues. With its affordable housing and strong sense of community, Ormond Beach, FL is a great place in which to buy a house and settle down. If you own a residential property in this vibrant coastal city, you will want to be sure to protect your investment with a suitable Ormond Beach home insurance policy.
Comparison shopping enables you find the best policy to meet your coverage and budgetary needs. Independent insurance agents in the Trusted Choice® network can make shopping for affordable home coverage simple. These agents are able to obtain customized Ormond Beach homeowners insurance quotes from a number of highly rated providers so that you can compare them and choose the policy that is right for you and your family. Find an agent near you to learn more.
On average, homeowners in Florida pay more for their home insurance coverage than most of this nation’s residents, but the figures listed above can only give you a general idea of what your price for coverage will be. The only way to get your actual cost is to request a quote from a few insurance companies. The providers that you contact take a number of factors into consideration when they calculate the price for your Ormond Beach home insurance premiums. These costs can be influenced by such things as the following:
To find a policy that provides the best value for your money, you should compare a few Ormond Beach homeowners insurance quotes before making a selection.
If you own a second home or a vacation home, you need to insure that additional property as well. However, your coverage needs are likely to be a bit different from those of your primary residence – particularly if you rent to tenants or if the property sits empty and unattended for several months out of the year. When you discuss your additional properties’ coverage needs with your Trusted Choice Agent, your agent can help you find and compare rates for suitable policies. Your agent may even be able to get you a lower price on all of your policies by bundling your second home or vacation home coverage under the same insurer that offers your Ormond Beach home insurance policy.
Burglary rates in the state of Florida are lower than the national average; but in Ormond Beach, the rate is higher. In 2014, there was a total of 259 burglaries reported in this city. That equates to 6.68 burglaries for every 1,000 households – a little more than the national rate of 6.11 in that year.
Burglar alarm systems have proven to be strong theft deterrents, and having one installed in your home can potentially earn you a discount on your home coverage. In the event that your house is broken into, you may take some comfort in knowing that your Ormond Beach homeowners insurance policy compensates you for your losses. Be sure to make an inventory of your lost or damaged items; you need that list and a copy of the police report when you file your claim.
The tornado risk in Ormond Beach is only 1 percent greater than the national average, but that does not mean it is not a concern. In 1983, for example, an F2 twister touched down just 1.6 miles from the Ormond Beach city center and caused a great deal of property damage. Disasters like tornadoes and house fires can sometimes lead to a total loss, so it is crucial that your Ormond Beach homeowners insurance policy include sufficient contents coverage.
Contents coverage covers everything you own in your house. Your Trusted Choice Agent can help you decide on appropriate coverage amounts and can recommend special endorsements if they are necessary to cover your high-value items, like jewelry and fine art. Your agent can also help you decide whether actual value or replacement cost coverage is the better option for you.
Homeowners in Ormond Beach are at risk for property damage caused by severe storms and hurricanes. While your Ormond Beach home insurance policy is likely to cover damage caused by storms and tornadoes, you may need to purchase special endorsements or supplementary insurance in order to be covered against hurricane damage. Your Trusted Choice Agent can help you be certain that your policy includes this important coverage.
Flooding is another significant threat to homeowners in this city. This can occur when tropical storms or hurricanes dump heavy precipitation in the area. But what many do not realize until it is too late is that home insurance does not cover flood damage. Fortunately, the city of Ormond Beach is an active participant in the National Flood Insurance Program (NFIP). This means that your Trusted Choice Agent can help you supplement your Ormond Beach homeowners insurance with an affordable flood insurance policy. Talk to your agent to learn more and review rates.
The only way you can be sure that you are getting your Ormond Beach home insurance coverage at a competitive rate is by comparing costs and offerings from competing insurers. Unfortunately, many consumers find this process to be too time-consuming and avoid doing it. Savvy homeowners in Ormond Beach, on the other hand, turn to the independent insurance agents in the Trusted Choice network for help.
Because these agents are not beholden to a particular insurance company, they are free shop around to help you find suitable and affordable coverage. They can provide you with a selection of customized Ormond Beach homeowners insurance quotes so you can choose the best one to meet your coverage and budgetary needs. Find a Trusted Choice Agent in or near Ormond Beach to get started.