5 Reasons to Get Home Insurance

Many homeowners struggle with the debate of whether or not to get home insurance. It can often seem unnecessary like nothing could ever go wrong with your home. You can probably think of more fun ways to spend the money that you’d be putting towards home insurance. However, investing in the protection of your home can save you the potential of losing your house and all of your belongings. It’ll definitely be worth it if that earthquake, tornado, or hurricane ever hit.

1. Put Your Mind at Ease

When you get home insurance it will put your mind at ease about something potentially going wrong with your home. It’s always better to be safe than sorry when it comes to something as big and important as your home.

2. Be Protected Against Damage

If a natural disaster does hit, or that tree falls on your house, or your neighbor flicks a cigarette in your backyard and your house goes up in flames, you’ll be protected. Having insurance means that even when something horrible does strike, you’re not left with a complete loss.

3. Protection Against Theft and Vandalism

When you have home insurance, you will be protected in case someone decides to break into your house or make “art” on your walls. You wouldn’t want to lose some of your most precious items and not be able to replace them. Home insurance can give you the confidence to know that if anything does get taken, it will be covered.

4. Coverage for Water Damage

If you live in an area where it rains a lot, or often floods, home insurance is a must. Your home and your possessions can be easily damaged by the water. Most insurance policies cover both.

5. Be Covered for Personal Liability

If someone gets injured on your property, you could potentially be held responsible. Many home insurance policies cover this so that you don’t get stuck with the bill.

 

What You Should Know About Mobile Home Insurance in Florida

What You Should Know About Mobile Home Insurance in Florida

If you own a mobile home in Florida or you are considering purchasing one, it is important that you protect your investment with mobile home insurance. A mobile home is a practical choice in Florida thanks to the affordability and warmer weather. According to the Florida Department of Highway Safety and Motor Vehicles, one in every three homes built in Florida is a mobile or manufactured home. These homes are worth over $37 billion. Before buying a mobile home or living another day in a mobile home that is not insured, it is important that you know the following:

What Will Mobile Home Insurance Cover?One of the most common questions that are asked by owners of mobile and manufactured homes is what will be covered under this type of insurance. Though the details of each policy will vary based on the company you choose for coverage, typically you will find the following is commonplace when obtaining mobile home insurance in Florida:

Coverage to Cover the Structure of Your Mobile or Manufactured Home

One of the coverage types that is standard when buying mobile home insurance in Florida is coverage to cover your home as well as any structures that might be on your property such as a shed or carport. In most cases, this will cover the structures from wind, fire, lightning, falling objects and more. Keep in mind, however, that if your mobile home is being moved from the property, it will likely not be covered in this process.

Coverage for Your Personal Property

You will also find that a basic policy will also cover your personal property. This includes any property that is in your home or in any structure like a shed. Some policies will also cover property that you own that is stored away from the home, but may have a lower coverage limit or might not be insured against all types of perils.

Coverage for Personal Liability

You will also see that this policy will cover any liability should an accident occur on your property. Accidents can certainly happen and if someone is unintentionally injured, or damage is done to their property, you will be covered by your policy. For instance, if you have a party and a guest slips on the grass breaking their arm, your mobile home insurance policy will cover the injury.

Keep in mind that there are some things that a standard policy will not cover, such as flooding. Make sure you look into optional coverage to ensure your home is fully protected.

Why You Need As Much Protection as You Can Get

Florida is prone to hurricanes and tropical storms each year. Though a mobile home will stand up well to winds and storms, no structure is totally safe from damage. Back in 1994 when Hurricane Andrew hit Florida, insurance companies paid out over $15 billion in damages. However, what is even scarier is that there are estimates that homeowners who were not insured spent more than $50 billion statewide. The question that homeowners have to ask themselves is would they rather spend a small amount of money each month to protect their home or thousands when the next hurricane hits the Sunshine State.

If you are interested in learning more about mobile home insurance in Florida and how it is a necessity for all owners, it is important that you reach out to an insurance company in the area for a quote.

When is the Miami Hurricane Season?

When is the Miami Hurricane Season?

The Florida Atlantic Hurricane season is from June 1st to November 30th however tropical storms have occurred outside of these dates, but these dates encompass over 97% of all tropical storm activity according to the Atlantic Oceanographic and Meteorological Laboratory (AOML)

The end of the Miami hurricane season has been steadily moving outward. Originally ending on October 31st, it has been extended to November 30th in recent times.

When is the Miami Hurricane Season most active?

According to the AOML, the most active period occurs from August to October, which encompasses 78% of the tropical storm days. This period of the Atlantic Hurricane Season also sees:

  • 87% of the category 1 and 2 hurricanes
  • 96% of the category 4, 5, and 5 hurricanes

However don’t be surprised if you see a powerful hurricane outside of these dates or rare tropical storms in the months of May or December.

Recent hurricane Season’s have been mild in Florida. For example, the 2013 Atlantic hurricane season, which officially ended on November 30th, had the fewest number of hurricanes since 1982.  This ranks as the sixth-least-active hurricane season since 1950, in terms of the collective strength and duration of storms.

Of the thirteen named storms that formed in the Atlantic basin, only two became hurricanes (Hurricane Humberto and Ingrid). Neither of these became a major hurricane or category 3 or higher.

Despite this good fortune All Nation Insurance reminds you to always be prepared for Florida’s severe weather history. Hurricane’s are some of mother nature’s most destructive storms with winds exceeding 100 mph. As our lifestyles change our insurance coverage becomes inadequate.

All Nation Insurance recommends an insurance review before every Miami hurricane season to ensure you are not over insured or under insured. Most people are unaware that being over insured results in higher premiums and rates while being under insured can leave your family in a difficult situation after a devastating tropical storm.

Contact us today for your free homeowners insurance review.