Lee County, Florida
Understanding Homeowner’s Insurance for Lee County Residents
Lee County, considered the gateway to South Florida, isn’t just popular with tourists. It also hosts Spring Training for the Boston Red Sox and Minnesota Twins. Even so, homeowners make up most of the community year-round. Understanding homeowner’s insurance is key to a happy future in Lee County for new homeowners and anyone considering living here.
Get Clarity on Homeowners Policies
Like much of Florida, Lee County is at great risk of damage from storms, especially hurricanes. That means having homeowner’s insurance isn’t a choice but an essential requirement. Dealing with wind and rain damage in a storm’s aftermath is no time to be stuck without adequate insurance.
Even so, policies can be confusing, even to long-time homeowners. They contain a lot of terms and language that can be hard to understand. You may be tempted to gloss over much of it, but since your home is your largest investment, your home insurance is crucial to your financial security.
Insurance Terms You Should Know
Knowing these terms can help you understand your Lee County home insurance policy better. You’re probably familiar with a deductible, which is the amount of loss you pay yourself if you have a claim. It’s a good idea to have this amount in your savings account so that you aren’t concerned about your costs in the event of damage. Here are some other terms you should know:
- Actual Cash Value – ACV goes hand in hand with depreciation. The ACV is the cost of replacing your damaged property with new property minus the depreciated value (wear and tear). Your 10-year-old television is worth much less than a new one.
- Exclusions – An exclusion is something not covered by your policy. Most homeowners’ policies do not include flood damage unless you purchase separate flood insurance. You may want to add endorsement options to your policy to cover things like injuries on trampolines or identity theft. Ask your agent about the risks that aren’t covered by your Lee property insurance.
- Hurricane Deductible – You may be able to reduce your overall premium by having a higher deductible in the event of a hurricane.
- Home Inventory – This is a record (written, video, or photographs) of your personal possessions. Keep it in a safe place. If you have high-value items, like antiques, jewelry, or artwork, consider discussing your inventory with your agent to make sure everything is covered appropriately in the event of a loss.
Ways to Save Money on Your Home Insurance in Lee County
You should discuss discounts and credits for your Lee homeowner’s insurance with your agent. Here are some steps you may be able to take to reduce the risk of damage to your home while saving money on your policy:
- Bundle your auto and home policies from the same company.
- Install smoke and carbon-monoxide alarms in your home as recommended by your insurer.
- Get a home security system that reduces the risk of burglary.
- Install fire extinguishers in your kitchen.
- Keep your home smoke-free. If anyone in your home smokes, get them to quit. It’s healthier and could reduce your premiums.
Want to Protect Your Investment in Your Home? Let’s Talk!
When making choices about your biggest and most important investment, you can’t go wrong by discussing every detail you can think of with your agent. TopLine Insurance will guide you through the full range of coverage plans we offer and save you money too.
We don’t stop there. We’ll be part of the recovery process when needed. Call us. We look forward to speaking with you and showing you why so many policyholders in Florida chose us to provide the best Brevard County home insurance.
Let's do this!
As Floridians serving fellow Floridians, our goal is always to do the right thing by our customers. That’s why, whether it’s a starter house, second home or a custom-built dream house, Topline should be your go-to company. Just kick back and relax – we’ll do all the work.
We know how time consuming, annoying and costly home insurance can be (yup, we said it). We don’t believe it has to be that way.
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Topline is Florida home insurance the way it should be – easy and affordable. We’ll find the pricing, coverage and service that’s perfect for you. You’ll get coverage that’s tailored exactly to your needs – not more than you need, not less. And, because our experts work with only those insurance carriers that meet our strict standards, you have peace of mind that you’re getting great service from a financially stable company at the most affordable price!
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What we cover
HOME
We’ll find homeowners insurance that’s perfect for you – whatever your needs are. With TopLine, you know you’re getting the best home insurance there is.
CONDO
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If it’s renters insurance you need, we have you covered. Make sure your personal property is protected with apartment insurance from TopLine.
MOBILE
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FLOOD
Flood insurance is important, especially since they’re the most common form of natural disaster in the US. Count on us to get you a flood insurance quote that will fit your budget.
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