Harbor Beach Homeowners Insurance

Harbor Beach is a neighborhood in Fort Lauderdale, Florida, with a population of 944. Harbor Beach is in Broward County and is one of the best places to live in Florida. Living in Harbor Beach offers residents an urban feel, and most residents own their homes. In Harbor Beach, there are a lot of bars, restaurants, coffee shops, and parks. Many retirees live in Harbor Beach, and residents tend to lean conservative. The public schools in Harbor Beach are above average

Comparing rates from competing homeowners insurance companies in Florida can help you get your home coverage at an ideal price. Independent insurance agents in our network make comparison shopping for coverage easy by doing the rate inquiry legwork for you. These agents can obtain customized Harbor Beach home insurance quotes from a selection of highly-rated providers to find an affordable policy that meets both your coverage and budgetary needs. Find an agent near you to learn more.

National yearly premium average: $1,034
Florida yearly premium average: $1,103
14th most costly premium in the US.

In general, homeowners in Fort Lauderdale and the rest of Florida pay more for their home insurance coverage than most people across the nation. While the figures listed above can give you a rough estimate of your costs for coverage, the only way to get your actual rates is to contact a few insurance companies and request them. These companies consider several factors when they calculate the price of your Harbor Beach home insurance. Several things, including the following, can influence your home insurance rates:

The ZIP code that your property is located
The age of your home and the construction materials used in its construction
The value of your house and the approximated cost to rebuild it
The amount of property coverage you desire to purchase
The amount of your deductible
The existence of a pool on your property
The home's use: main residence, secondary home or vacation home
Your eligibility for any offered policy discounts

To get your coverage at the best price, it is recommended that you compare at least three Harbor Beach homeowner's insurance quotes before making a selection.

Use our independent agent matching system to find the best insurance plan in your area. You tell us what you're looking for, and our technicians will recommend the best agents for you. Any information you provide will be sent to only the agents you pick. We do not sell to third parties.

Number of Thefts in Florida

The national number of burglaries: 37,824
Florida Number of robberies: 3,326

Burglary rates in the state of Florida are lower than the national average. Unfortunately, the rate in Harbor Beach is rather high. In recent years, there was a total of 1,500 burglaries reported in this city. That is about 10.23 burglaries for every 1,000 households – significantly higher than the national rate of 6.11. This may be due, in part, to the high number of tourists in this area.

You can reduce your risk of loss due to burglary by taking proactive steps such as keeping your home securely locked and using lights on timers when you are away. Burglar alarm systems are very effective at reducing the risk of burglaries, and installing one may even qualify you for a discount on your Harbor Beach homeowner's insurance. If you are the victim of a burglary, bear in mind that your Harbor Beach home insurance provides compensation for your losses. Your Independent Insurance Agent can help you ensure that you have the right coverage to protect all of your valuables.

Second Home and Vacation Home Insurance

If you own a second home or a vacation home, you need to buy coverage for this property as well. However, your insurance needs for this extra property are probably very different from those of your primary residence. Vacation homes have their own weather-related risks to contend with, and properties that sit empty and unattended for long periods have a higher risk of theft and damage. Additionally, if you own a second home for rental income, whether long-term for families or short-term for vacationers, you need a landlord insurance policy to have full coverage.

Be sure to discuss your other properties with your agent, who can make appropriate policy recommendations and help you find affordable coverage. Your agent may even be able to get you a discount by bundling your coverage with the same insurer that provides your Harbor Beach homeowners insurance.

Number of Catastrophes in Florida

Number of disasters in Florida: 594
Number of Hurricanes in Florida: 23
One in fifteen insured homes has a claim each year.
Amount of property damage in Florida: $210,240,000

Your Harbor Beach home insurance policy provides you with compensation if your house or personal property is lost or damaged by several potential hazards.

These can range from severe weather events like the persistent hurricanes to accidental catastrophes such as fires. You must purchase coverage in amounts that are sufficient to rebuild and start over in the event of a total loss. Your agent can help you decide on appropriate coverage amounts and choose between actual-value and replacement-value coverage.

What Are the Risks in Harbor Beach, FL?

The most significant risk faced by homeowners in Harbor Beach is property damage caused by hurricanes. The storms, which form over the Atlantic Ocean, bring damaging winds and heavy rains that can loosen shingles, topple trees and wreak havoc on area property. On average, this city is affected by a hurricane once every 2.08 years, with a direct hit occurring once every 5.33 years. Hurricane Wilma brought winds of 105 miles per hour to the area. In the city of Harbor Beach, 30 structures sustained substantial damage, and 120 housing units were affected.

You will want to be sure that the home insurance policy you choose includes coverage against hurricanes. Some policies require that you purchase this coverage as a special endorsement, while others might need you to buy a supplemental policy. Your local agent will be aware of the risks faced by homeowners in your area and will be able to recommend appropriate solutions.