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Buying a home can be the biggest financial investment you will make in your life. After all of the time and effort spent fulfilling your dream of home ownership, you and your family deserve the peace of mind in knowing that if your property is damaged, or you are the victim of a crime, that you are protected. Finding a homeowners insurance policy from a Zephyrhills, Florida Agency that you can afford will give you that peace of mind.
You can put your trust in Harris Insurance. Since 1965, we have been protecting our clients against all that they’ve experienced as homeowners. We are one of the largest brokers of Home Insurance in Florida, and you would be hard pressed to find someone that beats our rates or experience. No matter how large or how small your home is, we want to be your home insurance experts.
What is Homeowners Insurance?
Just like how you own a car and have car insurance, the same holds true for when you own a home. Homeowners insurance covers damage to the structure of your home, as well as all possessions inside should they be stolen or damaged. A Zephyrhills homeowners insurance policy will also include liability insurance, which protects you should someone who comes onto your property claim they were injured while there.
Through the decades, homeowners insurance has changed. What once were vital coverages are now optional, have limits, or have been eliminated altogether, depending on the company. Because many homeowners do not know what to look for in a good insurance policy, you need the expertise of experienced Agents and a company you can trust.
If you own a house, your homeowners insurance policy should insure against damage caused by:
• Wind
• Hail
• Lightning
• Damage caused by vehicles or aircraft
• Frozen pipes
• Fire
• Smoke damage
• Explosions
• Criminal damage, such as theft or vandalism
The best homeowners insurance policy should cover the entire structure of your Zephyrhills home at replacement cost, including the roof and external walls. Outbuildings, such as a garage or shed, may also be included as needed. Policies and coverages differ for manufactured homes and condos.
Each homeowner insurance policy will specifically list what is included in your policy. Most basic policies do not cover certain damages, such water leakage or water heater rupture, or problems associated with mold or bacteria. These types of coverage must be added on. When you are looking for quality Zephyrhills, FL homeowners insurance companies, know that Harris Insurance is among the best in the business as they represent over 150 top-rated Florida insurance companies.
As the trusted choice for Florida’s Homeowner Insurance, we offer policies to protect every unique Florida property & homeowner:
We Have to Mention Flood Insurance
Living in Florida, you know how hurricanes and tropical storms can impact your daily life. Any kind of storm and wind damage can wreak havoc on neighborhoods everywhere. A homeowner insurance policy typically does not cover flood loss. This is why it is of the utmost importance to carry flood insurance in addition to a homeowners insurance policy.
Because there is such a high risk of hurricanes and tropical storms in Florida, you must understand the limits of your homeowners insurance policy, and why flood insurance is so vital. If you find out too late that damage to your home is not covered by your homeowners policy, you are out of luck. Flood insurance is inexpensive compared to other policies, and it could end up saving you tens of thousands of dollars in the aftermath of flood damage, not to mention the peace of mind you will have.
How Much Does Homeowners Insurance in Zephyrhills Cost?
One of the newer aspects of lowering homeowners insurance costs is to increase your deductible amount. The deductible is the amount out of each claim that you are required to pay before your insurance steps in to pay for covered damages. Hurricane Deductible options are typically 2%, 5%, or 10% and All other Peril Deductibles are typically $1,000, $2,500, or $5,000. Higher value homes can also present more options, but these are the typical amounts you will see on your Declaration Page. The higher the deductible, the more discount can be applied to your annual premium.
At Harris Insurance, we can guide you to the right homeowners insurance policy for you. Whether that is a low deductible and a higher premium, a higher deductible and a lower premium, or something in the middle, our Zephyrhills, Florida insurance experts are here to give you a homeowners insurance quote that will meet your needs and properly insure your property.
Homeowners Insurance from Experts You Trust
At Harris Insurance, we actively work with more than 150 insurance companies, and we will find you the coverages you need depending on your location. Harris Insurance is a licensed brokerage firm authorized to serve throughout the State of Florida. We have been a full-service insurance provider since 1965. We bring you only the best in Florida insurance companies, A-rated, most reputable, and we bring them all under our roof to serve you better.
Wherever you are in the Sunshine State, we will work with you to create an insurance policy that will fit your needs. We provide all types of insurance, including homeowners insurance. We work with a variety of companies and offer multiple rates. When you are looking for superb service and competitive rates, look no further than Harris Insurance for your Zephyrhills homeowners insurance needs. Contact us today.
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.
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.
