Tamarac Homeowners Insurance

What Your Tamarac, FL Homeowners Insurance Policy Needs

Incorporated in 1963, the City of Tamarac, FL, which is part of the Miami metropolitan area, is home to approximately 60,000 people. Many retirees, from snow birds to year-round residents, find the neighborhoods in this city to be an ideal location to live in, as do many young families who want to avoid the high crime and fast pace of Miami. Those who live here enjoy a number of recreational activities, an abundance of affordable housing options and a strong sense of community. If you are among the proud homeowners that live in this city, you will want to be sure to protect your investment with a suitable Tamarac home insurance policy.

When you are shopping for a great price for your home coverage, you can count on a local Trusted Choice® agent for help. These agents can gather Tamarac homeowners insurance quotes from a variety of reputable insurance providers so that it is easy for you to compare rates and find the best policy to meet your coverage 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.

In general, homeowners in Florida pay higher-than-average rates for their home insurance coverage. Those with homes in cities along the Eastern Seaboard, in particular, tend to pay higher rates because of their increased risk of damage caused by hurricanes and other storms. When you contact insurance companies to request a quote, they take several factors into consideration in order to calculate your price for Tamarac home insurance coverage. These factors can include such things as the following:

  • The location, age, value and estimated rebuilding cost of the home you are insuring
  • The use of the property you are insuring: primary residence or second home
  • The type of dwelling you are insuring (e.g., single-family detached house, mobile home, manufactured home, condominium, townhouse, etc.)
  • The amount of personal property coverage you wish to purchase
  • The presence of any liability hazards, such as a swimming pool, on the property
  • The amount of your deductible
  • Your qualification for any potential policy discounts

Every insurance company is apt to offer you coverage at a different cost, so it is a good idea to compare at least three Tamarac homeowners insurance quotes in order to find the most affordable policy.

Second Home and Vacation Home Insurance

If you own extra property, such as a second home or a vacation home, you need to be sure that the property is covered by suitable policies as well. Because extra properties are likely to have different insurance considerations from your primary residence, they are a little bit more complicated to ensure.

For example, if you own a second home nearby that you use as an income vehicle by leasing it out, you have increased liability risks and need a landlord insurance policy in order to have the proper coverage. On the other hand, if you own a vacation home in another location, that home likely has different weather-related considerations that you need to be sure to insure against. Also, if the property sits empty and unattended for several months out of the year, it may be more costly to insure because an empty home can experience problems like pest infestations or water leaks that are easy to fix if caught early but can grow into big problems if left unnoticed for a while.

Your Trusted Choice agent can help you find the right policies to cover all of your home properties. Your agent may even be able to save you money by bundling the coverage under the same insurer that provides your Tamarac home insurance policy.

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 in Tamarac the rate is more in line with national figures. In 2014, for instance, there were 361 burglaries reported in this city. That equates to about 5.66 burglaries for every 1,000 households. That is only slightly higher than the national rate.

You can reduce your risk of burglary by taking preventive measures, like keeping your doors and windows securely locked at night and, when you are not home, by ensuring that your entryways are well lit and unobstructed. If you install a burglar alarm system in your home, a very effective theft deterrent, you might even qualify for a discount on your home insurance.

In the unfortunate event that your house is burglarized or damaged by vandals, you may take some comfort in knowing that your Tamarac homeowners insurance policy provides you for with compensation for your loss. You need to have a detailed listing of all your lost or damaged items and a copy of the police report when you call to file your claim.

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

Catastrophic events, like house fires and hurricanes, can damage or destroy your home and the property kept inside it. That is why it is important that you have sufficient property coverage for both the structure of your home (dwelling coverage) and the belongings kept within it (contents coverage). Your Trusted Choice agent can help you assess how much coverage is enough to enable you to start over in the wake of a total loss. In some cases, highly valuable property, like jewelry and excessive electronics, may require you to purchase an additional endorsement in order to be fully covered.

What Are the Risks in Tamarac, FL?

Hurricanes and tropical storms pose the biggest threat of property damage for residents of Tamarac. The damaging winds and heavy rains that accompany these storms can cause a great deal of property damage to area homes. It is therefore important that you ensure that your insurance policy includes coverage against this threat.

In some cases, this entails purchasing a special endorsement with your Tamarac homeowners insurance, and in other cases, it means you need to buy a supplemental hurricane insurance policy. You may also want to purchase a flood insurance policy through the National Flood Insurance Program (NFIP) because, even with hurricane insurance, flood damage is not covered by home policies. Your local Trusted Choice agent can help you be sure you have the coverage you need.

Compare Tamarac Home Insurance Quotes

The only way you can be certain that you are getting your Tamarac homeowners insurance policy at an affordable price is by taking the time to compare costs and offerings from a variety of competing insurance providers. Unfortunately, many homeowners do not want to be bothered with the time needed for comparison shopping and therefore avoid this important step. As a result, they often end up paying more than is necessary for their home coverage.

That is why it is to your benefit to work with a Trusted Choice agent. These local agents can take the time to understand your particular coverage needs and can then contact a selection of highly rated insurance companies to make rate inquiries on your behalf. That way, you can easily compare customized Tamarac home insurance quotes to find the policy that offers you the best value for your money. With offices conveniently located in and near Tamarac, it is easy to find a Trusted Choice agent who can assist you.

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