Homeowners Insurance in Seaside, Fl

Moran Financial Solutions are your Florida homeowner's insurance experts. When you request a homeowner's insurance quote from Moran Insurance, we gather your Florida homeowners insurance information from you over the phone or by easy to complete electronic forms.

Then, we begin a comprehensive underwriting process that involves reviewing the Florida county property appraiser records, calculating the replacement cost, reviewing claim reports, and inspecting the home. We want to have a thorough knowledge of your home. This is important so we can efficiently market your home to the different Florida homeowners insurance companies we represent and make sure there are no surprises after submitting your insurance application.

We will give you an honest recommendation, free of charge. Moran Insurance deals with Florida homeowners insurance every day, in every Florida county, so you can feel safe knowing that Moran Insurance is handling your Florida homeowner insurance.

We represent various Florida homeowners insurance companies, whose integrity we can attest to. Depending on your distinct home and your insurance needs, we market your insurance to each insurance company. Then, we suggest the type of homeowner's insurance policy, the coverage amounts, and the terms that best suit your situation. We take the time to understand your situation.

Seaside Florida homeowner's insurance can be confusing, mainly if your home is near the beach, a bay, a coastline, or bayou. Our office is settled in beautiful Santa Rosa Beach, Florida - only 1.5 miles from the beach, so we are experts at writing Florida homeowner's insurance near the water. We have over 22 years of experience printing homeowners' insurance policies in the communities of Destin, Miramar Beach, Santa Rosa Beach, Freeport, and Panama City Beach, Florida.

Homeowners, Windstorm, Flood Seaside Insurance

When you own a house in Florida, there are three central insurance policies to consider: a homeowner's insurance policy, a windstorm insurance policy (if windstorm coverage is excluded in your homeowner's plan), and a flood insurance policy.

In Florida, homeowner insurance companies have the option to eliminate windstorm insurance coverage and some regions of the coast. Florida homeowners may obtain the windstorm insurance coverage from the state insurance company, Citizens Property Insurance Corporation, or another insurance company that gives wind-only coverage.

Besides, if your home is located in a flood hazard area, you may be expected to purchase a flood insurance policy from the National Flood Insurance Program. Moran Insurance represents the several Florida flood insurance companies to take care of all your home insurance requirements. We also serve several Private Flood Insurance Companies.

Property Seaside Insurance

There are many distinct insurance coverages built into a Florida homeowner's insurance policy. Property coverage assures your real property (the house itself), any other detached structures like a property fence or utility building, and your contents.

Additional Living Expense

Additional Living Expense (also called Loss of Use), is extra coverage on your Florida homeowners insurance policy that pays for a temporary place to live if your home is damaged due to a covered claim and is not livable.

Valuable Items Coverage

If you own expensive jewelry, computer equipment, antiques, artwork, or photography equipment, we can also ensure these items. Depending on the circumstance, we can add this exclusive coverage to your Florida homeowner's policy, or we can write a separate personal inland marine or private articles floater policy.

Personal Liability Seaside Insurance Coverage

Florida homeowner's insurance includes your liability. The average Florida homeowner's insurance policy provides $300,000 or $500,000 in personal liability coverage. If you have assets priced more than this, you should consider purchasing a Florida own umbrella policy.

A personal umbrella policy is a separate liability policy that provides an additional $1 million or more liability coverage for you. The extra liability coverage also covers your Florida auto liability, watercraft liability, recreational vehicle liability, and any other potential personal liability exposure. The Moran Insurance can write Florida individual umbrella policies up to $50 million.

Medical Payments

Medical Payment coverage helps to pay for incidental medical expenses for people injured on your Florida property or in your home. Note that Medical Payments does not pay you (the homeowner); it only includes your guests and visitors and is usually a maximum of $5,000 in coverage.

Ordinance or Law Coverage

Another coverage incorporated in your Florida homeowner’s policy is Ordinance or Law Coverage. This coverage gives you additional money to meet updated or new Florida state building codes, ordinances, or laws.

For instance, say your house was built in 1990 and then was destroyed by a fire. In 2003, you would be required to rebuild the house under the current Florida state building code. The new Florida state building code improves the cost of building back your home. If you possess Ordinance or Law coverage on your homeowner's insurance policy, it will provide additional funds to meet the new Florida state building code requirements.