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As a Florida homeowner, you know how precious your home is and what it means to you. This is the number one reason you should consider every option when it comes to purchasing homeowners insurance. The team at Harris Insurance has been protecting Florida homeowners for over 55 years and have the expertise and the low rates to make decision-making pleasurable and satisfying.
What Does our St. Petersburg, FL Homeowners Insurance Cover?
Home insurance has changed a lot in recent years. Anyone living in Florida knows how expensive it can be. This is because Florida is often target #1 when tropical storms and hurricanes run their course from June 1stto November 30theach year. Because we work with over 150 insurance companies, we are able to research, shop, and compare to offer you some of the lowest rates around.
The price of a St. Petersburg, FL homeowners insurance policy will depend on many factors. It is measured against the price of your house, the value of your personal belongings, and can also include location and the additional options you choose to include in it.
Typical homeowners insurance policies will give you coverage for:
- Dwelling Coverage. This coverage is there so you can have your home rebuilt if it is destroyed by fire, storms, or other incidents. The Other Structures coverage extends to structures on your property, such as detached garage, playscape, gazebo, deck, or storage building.
- Personal Property. This type of coverage extends to cover losses incurred from losing your personal property and protects the contents of your home.
- Additional Living Expenses. This coverage gives you a place to go if your home is destroyed or when you cannot live there during repairs.
- Personal Liability. If someone is injured or your property is damaged through your fault, personal liability coverage can step in and protect you.
- Medical Payments. Say someone is visiting your home and injures themselves. This coverage can cover the cost of medical bills, ambulances, surgical costs, and more.
This may sound pretty comprehensive but there are always exclusions to your St. Petersburg homeowners insurance policy. Flood protection is NOT included in a standard insurance policy. Other exclusions may include weather conditions, pets, and other animals, and freezing pipes. We will be happy to discuss coverages, options, and exclusions with you at any time. There is protection from just about everything when it comes to homeowners insurance but you have to be sure that they are clarified and specified before you have a problem or claim.
As the trusted choice for Florida’s Homeowner Insurance, we offer policies to protect every unique Florida property & homeowner:
Homeowners Insurance in St. Petersburg Comes in Many Different Forms
In addition to traditional homeowners insurance, we also offer:
Condominium Coverage. Every condo owner should carry their own condominium insurance for liability and property loss. Your condo coverage works just like a homeowners policy, in that it covers your personal belongings, loss of use, liability, and more. Whether your condo is your primary residence or a second home, you need quality condominium coverage. Condo insurance is important if your belongings are lost or stolen, for any damage inside your condo unit, for bodily injury, and for having expenses to live elsewhere if needed.
Renters Insurance. People rent everything from homes to mobile homes, condos to apartments. If you are renting, you need renters insurance. You should take an inventory of your personal belongings right now. We think you will be surprised at how much it all adds up to! Protect your personal property with a St. Petersburg renters insurance policy from Harris Insurance.
Landlord Insurance Dwelling Policy. As a landlord, you are looking for proven ways to protect your business properties. With our dwelling policy coverages, you can customize what you need and stay prepared for any event. With our available coverages, we will evaluate your replacement costs and provide you with the loss of rental income or loss of structure use. We also provide you with the best in tenant protection and bodily damage to anyone visiting your properties.
Optional Homeowners Insurance Coverage in St. Petersburg
Homeowners insurance laws and regulations are constantly changing. It is important to know what is covered in your policies and what is not covered. Here are some important additional options to consider:
Identity Theft. For a low additional cost, purchase an identity theft product for greater peace of mind.
Jewelry, Guns, Fine Art Collections. Many homes contain items that thieves love. Never be afraid of losing them again, with special coverage for all of your most prized possessions.
Flood Coverage. Not included in your homeowners insurance policy, you will still need a flood policy. Even if you are “not in a flood zone,” it is something that should be considered. Most homes that flood during hurricanes and storms are in “preferred” flood zones. Be prepared!
Equipment Breakdown. Do not worry again about TVs, HVAC systems and other appliances breaking down or being damaged. For a low yearly charge, you are covered. It is a nice feeling to know you will not be responsible for hundreds or even thousands of dollars in repairs.
Water Damage. Storms often cause water damage inside your home. Leaks and pipes can also cause problems. Be sure to check that your St. Petersburg homeowners insurance policy has adequate coverage for water damage.
Other options to think about are additional Ordinance & Law, Refrigerated Personal Property, Screened Enclosures, Animal Liability, Military & Senior Discounts, Gated and/or Guarded Community Credits, Wind Mitigation Credits, Mortgage Protection, Proof of Updates to Existing Systems, Non-Smoker Discounts, and more.
Our agents at Harris Insurance work hard every day to ensure you are receiving the most coverage for your money. We offer only the most competitive and comparative rates of any insurance company in the state. We understand how precious your home is to you and your family, and we will work with you to provide you with ways to make your best and most important investment safer and more secure. Contact us today to learn more.
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 St. Petersburg
Known as the sunniest city in America, a fact that has been verified by the Guinness Book of World Records, it is not uncommon for St. Petersburg to experience up to 360 sunny days a year. The locals refer to the city as St. Pete, and it is known around the country as a very popular retirement destination. However, the city has a lot to offer visitors and residents of any age, so it should not be written off as a place that is only for the elderly.
St. Petersburg has a lush artistic scene, highlighted by the children’s museum Great Explorations and The Museum of the American Arts and Crafts Movement. There is also the Museum of History which features a life-size replica of the Benoist XIV seaplane. Perhaps the most famous thing that St. Petersburg is known for is the yearly event known as the Grand Prix of St. Petersburg. The first round of the IndyCar Series, a professional auto racing organization, this event brings in fans of the sport from around the world to watch these expert drivers navigate a difficult course. While St. Pete is a great place to retire, it is also a wonderful place that you can start a family as well.
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.
