Florida is the only state in America which is prone to different natural disasters such as hurricanes, flooding, windstorms, hail, and tornadoes.

There are more people exposed to various disasters than anywhere else. Insurance companies have a hard time providing coverage for different incidents. For the people, it gets confusing when they come down to selecting the insurer which provides the best coverage.

There are various home owners’ insurance providers in Florida offering localized services and coverage. Insurance rate are quite high in Florida and that is one reason why there’s a lot of research being done on the clients part before purchasing insurance. The average premium rate currently is about $1300.

Following is a review of some of the top companies and the insurance policies they provide in

Florida:

ASI – American Strategic Insurance Corporation The company has its presence in most of the counties in Florida. It insures thousands of homes and has received a 4-star rating from clients. A standard homeowner HO3 insurance policy from ASI covers sinkhole and windstorm damage. They provide its policy bearers with discounts on building with environment friendly substances, installing solar panels, impact windows and storm shutters.

They provide a coverage option which is affordable for property owners and this has resulted in them having the highest market share.

Florida Family Insurance Company While other insurers increase rates if you have a swimming pool, trampoline, these extra properties are covered under the standard homeowner’s policy at Florida Family Insurance Company. The company also offers discounts and provides training on what you can do to avoid the unexpected. Their main focus is the home, condos and other rental properties you may own.

Universal Property and Casualty It has the fastest service when it comes to claims. Policy bearers feel that submitting a claim is easiest under their policy. They offer coverage on fire, personal property, and personal liability, and hold the record for the fastest claims service record in the state.