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You want to know that your homeowners insurance is there when something goes wrong in your house or around your property. As an insurance carrier since 1965, let our team of experts show you what we know about homeowners insurance in Crystal River and provide you with the complete package of all necessary coverages you need for your unique Crystal River home.
We are the largest broker of home insurance in the Florida Panhandle and we have our finger on the pulse of the insurance market. We know all of the available markets and monitor their continual changes so we can offer you some of the lowest rates out there.
Insurance for Every Type of Homeowner in Crystal River
A large percentage of our clients purchase traditional homeowners insurance. This is for coverage on your home and property. Our Crystal River homeowners insurance policy consists of several categories:
Dwelling. This covers replacement costs if your home is destroyed or badly damaged.
Other Structures. This coverage applies to other structures and equipment on your property that are not attached to the dwelling. These may include a detached garage, playscape, gazebo, deck, or storage building.
Personal Property. This third coverage includes all of your personal belongings. There are different payouts and property coverages that can differ greatly so this coverage requires significant consideration.
Additional Living Expenses. If your home is destroyed or you cannot live there while repairs are being made, your expenses can be covered to reside somewhere else.
Personal Liability. For damage that is caused by your actions, (think of your son's baseball going through your neighbor’s picture window) or any other type of bodily liability, you should be covered.
Medical Coverage. If someone is injured on your property, medical expenses should be typically covered.
Homeowners insurance does NOT include flood protection. There are other exclusions as well, but you can purchase additional coverages to meet your needs and we have all the information you will require to make informed decisions about your protection.
Condominium Insurance in Crystal River
Condos are some of Florida's most popular structures. If you are a condo owner, you still need to purchase condominium insurance. Just like homeowners insurance, condo owners are responsible for their own liability and property insurance. Our Crystal River insurance experts with Harris Insurance will guide you to all you need to know about keeping your personal belongings, loss of use of your condo, and more. It does not matter whether your condominium is your year-round residence or a second home; in either case, you still need condo insurance.
Renters Insurance
People rent all types of homes including houses, mobile homes, condos, or apartments. You may underestimate the value of all your possessions, but they need to be insured against any type of disaster. Renters insurance can insure your things at your place of residence and even your car. If you have ever been the victim of a theft, you know the unsettling feeling that you are left with. It sure is a good feeling when you know no matter what may happen: fire, flood, lightning, theft or storms, your things are covered with your renters insurance policy.
Landlord Insurance Dwelling Policy
As a landlord, your properties are of vital importance. If units are damaged or deemed uninhabitable, you need coverage to address all of the problems that this presents. Our Dwelling Policy will do that for you. The team at Harris Insurance has licensed experts that will evaluate your Crystal River property and offer you property and liability coverage all in one dwelling insurance policy. This also includes being prepared for lawsuits brought on by tenants, family, handymen, or anyone who suffers bodily injury or alleges property damage.
A dwelling policy can bring you great peace of mind when your investment property is insured through on of our top-rated Crystal River insurance companies.
As the trusted choice for Florida’s Homeowner Insurance, we offer policies to protect every unique Florida property & homeowner:
Crystal River Homeowners Insurance Options to Consider
Because we work with so many insurance carriers, we know each insurance market, its challenges, and the best rates. Our Crystal River homeowners insurance experts work hard every day to see that our clients receive the best coverage for their money. While homeowners insurance covers a lot of ground, there are areas it does not hit upon. You have the option to add additional coverages which include:
Flood Insurance. Did you know that the majority of homes that flood each year are NOT in flood zones? It is wise to protect yourself with a flood insurance option, even if you are not in a zone considered prone to flooding.
Equipment Breakdown. Never worry again that TVs, HVAC system, or even a garage door opener will cost you thousands in repairs. For a minimal yearly fee, these items can be covered.
Water Damage. Nothing seems to destroy property like water. Make sure you have adequate coverage for water damage. Even an innocuous leaky pipe can cause thousands of dollars’ worth of damage.
Personal Injury. If you need additional help against libel or slander, we have that covered, too. In the Internet age, do not let others get to you. With our low yearly cost, we can help you be protected against various personal injury threats.
Identity Theft. People lose millions each year in identity theft fraud. Do not let it happen to you.
Jewelry, Guns and Fine Art Collections. Some homeowners have large and valuable collections that need extra insurance. Add the additional coverage you need to protect you in the case of theft.
There are many other homeowners insurance options to consider such as Animal Liability, Ordinance & Law, Military & Senior Discounts, Non-smoker Discounts, Gated & Guarded Community Credits, Mortgage Protection Discounts, Screened Enclosures, Wind Mitigation Credits and much more.
With the many reasons you should consider homeowners insurance, the biggest may be for your peace of mind. Floods, hurricanes, tornadoes, wind damage, fire, and more destroy Florida properties every day. With Crystal River, FL homeowners insurance, you are insured against such losses.
Our Crystal River, FL homeowners insurance protects much more than your property. It can replace your personal belongings, and protect against liability and medical expenses, as well as provide you a place to stay after a disaster.
Homeowners insurance costs will differ depending on your home and what is in it, but your peace of mind is priceless. Harris Insurance offers a wide range of customizable options and coverages, available to everyone. Contact us and let us tailor a policy just for you.
Ordinance and Law
O&L is included but you may wish to increase coverage for a nominal charge. Laws and codes continually change for rebuilding after catastrophes.
Available at 25% to 50% of home original value
Water Back-up
Water and sewage rising up through toilets and drains can cause significant expense . (1 inch water damage can equal $25,000 worth of damage)!
$25,000 coverage runs around $25.
Water Damage
After storms, water damage is the cause of more claims than any other. The smallest leak or failure can flood your home in minutes. Be sure you have adequate coverage and most importantly, know the protection you have. Not all policies respond the same.
Screened Enclosures
Are you properly protected? Most insurance companies have changed how they address coverage specific to screened enclosures. If you have a large enclosure, be sure you understand how your policy will respond.
Service Line
Protects you from unexpected expenses for water, sewer, electric and other service lines that run above or underground to your residence. When there’s a problem with these lines it’s very expensive and disruptive not only to the service but also to your landscape. $10,000 usually runs around $40 annually.
Personal Injury
In the internet age of posting messages online, personal injury is a must. Even the allegation of libel or slander can cost you thousands. This protection runs as little as $15/year.
Refrigerated Personal Property
Most usually have several hundred dollars’ worth of goods in their refrigerator and freezer at any given time. You can insure the value of this investment for as little as $10-15/year.
Animal Liability
NOT just for dog bites! What if your pet gets out and causes an auto accident? Anything that happens involving your pet can have ramifications. Be sure to protect yourself by adding the valuable coverage.
$25,000-$50,000 coverage is only around $50.
Jewelry, Guns, Fine Art Collections
High value items are the target of theft. You can protect your valuables by adding this special coverage or adding a secondary policy that can protect even against mysterious disappearance. A current appraisal is all we need to get you protected.
Identity Theft
CNBC reports seniors lose at least $37 Billion every year to fraud. Get an ID theft resolution option for a surprisingly low annual cost.
Golf Cart Liability
If you own a golf cart, you need this coverage extension to protect against any bodily injury or property damage.
Equipment Breakdown
Protect your important home systems from breakdown or mechanical failure. HVAC units, appliances, TVs, even garage door openers are covered! $50,000 is usually around $50.
Hurricane Deductible
Flood
NOT in a flood zone? Neither are the majority of homes in America that experience flooding. The statistics are even higher in Florida.
Please consider a flood policy and let your agent share your options.
Facts About Crystal River
Situated in the Nature Coast of Florida in Citrus County, there are few cities as unique in both history and attractions as Crystal River. Both Crystal River Preserve State Park and Crystal River Archaeological State Park do their absolute best to keep the community beautiful and to show the importance of both nature and the history of the area. For example, it was believed that the land near the Gulf was above water in prehistoric times. This led to archaeologists finding fossils of rhinoceros, mastodon, large armadillo, and large tortoises.
However, you cannot really talk about Crystal River without bringing up its most unique attraction, and its biggest tourist site. The town is known as the Home of the Manatee because of the more than 400 manatees that call this area home when the waters of the Gulf of Mexico cool in the winter. Crystal River is the only place in the country where it is legal for humans to interact with manatees, which means that tourists come from miles around to get a chance to watch or swim with these majestic creatures. Crystal River is a lovely community filled with promise, great weather, and of course a yearly visit from the adorable manatees.
Harris Insurance is a licensed insurance brokerage firm authorized to serve throughout the State of Florida. We are a full-service insurance provider since 1965. We represent more than 150 insurance companies in order to bring the most reputable, "A" rated, insurance companies under one roof to provide comprehensive solutions for your insurance needs.
Home insurance in Florida has changed a lot over the years: vital coverages are now optional, have been limited, or are eliminated altogether depending upon the company. Because of these changes, it is crucial to do business with experienced agents and a company you can trust.
We can provide all kinds of insurance policies including Homeowners Insurance from a variety of companies with multiple rates. Our agents work hard to bring you the most competitive & comparative rates in the industry. We will work with you one-on-one to ensure your complete satisfaction.
