Titusville Homeowners Insurance

What Your Titusville, FL Homeowners Insurance Policy Needs

Titusville, FL is a small city of about 45,000 residents, located in Florida’s Brevard County. This city features an abundance of affordable housing options, beautiful parks and walking trails, a rich and vibrant history, and a lively tourist industry mainly because of its close proximity to Kennedy Space Center. If you are among the proud homeowners who have set roots in this historic city, you will want to be sure to protect your investment with a suitable Titusville home insurance policy.

Reviewing rates from competing insurance companies can enable you to get your home coverage at an affordable price. Trusted Choice® agents can make comparison shopping easy by requesting rates on your behalf. These agents can help you compare a variety of customized Titusville homeowners insurance quotes from a selection of highly rated providers so that you can select the policy that offers the best value for your money. 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.

On average, property owners in Florida pay more for their home insurance coverage than most homeowners across the nation. While the averages listed above can give you a general idea of what your cost for coverage might be, the only way to get your actual rate is to contact a few insurance companies to request a quote.

The insurance providers you contact will take a number of factors into consideration when they calculate the price of your premiums. Your rates may be influenced by things such as the following:

  • The ZIP code where your house is situated
  • The age and value of your house and the building materials used in its construction
  • The type of home you are insuring (e.g., detached house, condo, mobile home, manufactured home, beach house, townhouse, etc.)
  • The use of the property you are insuring: primary residence, second home or vacation home
  • The amount of contents coverage you want to purchase
  • The amount of your deductible
  • Your bundling choice, (i.e., whether you will be bundling your coverage with other policies, such as life or auto insurance)

In order to find the policy that offers you the best value, it is recommended that you compare at least three Titusville homeowners insurance quotes before making a selection.

Second Home and Vacation Home Insurance

Many residents of Florida are “snowbirds,” who choose to live in more temperate climates in the summer months. If you are among the residents of Titusville who own a second home or a vacation home, your insurance needs for this extra property will be a bit different from your needs for your primary residence. This is particularly true if your property sits unoccupied for prolonged periods of time or if you rent the home to tenants.

Be sure to discuss your coverage needs with a Trusted Choice agent who can help you find affordable policies for all of your properties. Your agent may even be able to save you money on all of your policies by bundling them under the same insurance provider that offers your Titusville homeowners insurance policy.

Number of Thefts in Florida

  • National number of burglaries: 37,814
  • Florida number of burglaries: 3,316

Burglary rates in the state of Florida are lower than the national average, but the rate in Titusville is somewhat high. In 2014, for instance, there were 384 burglaries reported in this city. That equates to about 8.67 burglaries for every 1,000 households — almost double the national rate.

You can reduce your risk of property crime-related losses by taking proactive steps such as installing motion detection lighting or a burglar alarm system in your home. Doing so may even qualify you for discounts on your Titusville homeowners insurance.

If you discover that your home has been burglarized, you should first ensure that you and your family are safe and then call the authorities to report it. You need a copy of the police report when you file a claim so that your insurance company can compensate you for your losses. Your Trusted Choice agent can help you be certain that you have the right contests insurance in place to cover all of your valuable belongings.

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

Your Titusville home insurance policy provides you with compensation if your house or personal property is lost or damaged due to a number of different kinds of catastrophes. These can range from severe weather events (“Acts of God”) or accidental catastrophes such as uncontrolled cooking fires.

One catastrophe against which your policy will not cover you is flooding, and some residents of Titusville, particularly those who live in close proximity to the Indian River, have a high risk of this kind of catastrophe. Fortunately, your Trusted Choice agent can help you supplement your Titusville homeowners insurance with an affordable flood insurance policy through the National Flood Insurance Program (NFIP).

What Are the Risks in Titusville, FL?

Residents of the City of Titusville are most at risk for damage caused by hurricanes and tropical storms. These powerful weather events form over the Atlantic Ocean and often make landfall along the Florida coast. When this happens, the heavy winds and torrential rains can cause a great deal of destruction. More than 80 hurricanes have affected homes in this city since 1930. One of the most damaging hurricanes to strike this area was Hurricane Frances, a Category 4 storm with wind speeds of up to 145 miles per hour that tore through the state in 2004.

You will need to be certain that your home insurance policy includes coverage against hurricane damage. This may require you to purchase special endorsements or supplemental coverage. Fortunately, your Trusted Choice agent, as a member of your community, will be aware of the risks you face and will ensure that the policy you purchase includes the coverage you need.

Compare Titusville Home Insurance Quotes

The only way you can be sure you’re getting your Titusville home insurance coverage at a competitive rate is by requesting and reviewing costs and offerings from a selection of reputable insurers. Trusted Choice agents make this process easy. These local agents are free to contact a variety of competing insurance companies on your behalf. They can then provide you with a selection of customized Titusville homeowners insurance quotes that you can review and compare together. Find a Trusted Choice agent with an office in or near Titusville to get started.

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