Taking an inventory of your belongings is as vital as the homeowners’ insurance policy you select. Falling victim to a tragedy is stressful. Creating an inventory can help reduce some of the stress as you begin the process of filing a claim in the wake of a disaster.

A detailed list of destroyed items will be required to accompany the application, and without a formal inventory, most people cannot name everything they own. There is no standard form to follow when creating an inventory. In short, this inventory is just a list of the belongings you are filing the claim to replace.

According to the experts at Coastal Premier Insurance Group in Boca Raton, FL, the key is to incorporate into the list the maximum amount of information and to document ownership. These details include the date of purchase, cost and serial numbers of specific items.

If you have them, add to the list the original receipts from the purchase. It is also wise to supplement the inventory with pictures and videos. Be sure to include items you may have stashed in forgotten places such as the attic, garage and basement. 

Once you create the list, it is crucial to keep it updated with new purchases. It is also vital to remove older items from the list that you no longer have. Last but not least, keep the inventory in a safe place. It will do you no good if you lose it during the disaster.

Creating the inventory has some ancillary benefits. It ensures you have the right coverage plan in place. The team at Coastal Premier Insurance Group in Boca Raton FL is ready to answer all your questions about insurance, including home and auto plans.

Having a home means that you have to prepare for an array of potential situations that can cause damage or loss. Having the right type of insurance is the best defense against these threats. For example, you may have a house guest that accidentally causes damage to your home. You may be wondering if your home insurance is going to cover your loss?

Damages to Your Residence

If you have a good insurance policy, you should be covered in the event a house guest causes damage. You will be required to submit information to file a claim such as an incident report and photos of the damages. When you have a situation like this, you will need help from a knowledgeable insurance agent to walk you through the process so you can get the money necessary to repair the damage. Before selecting a policy, know how you will be protected from incidents like these and have your agent explain the claims process in detail.

Finding Coverage

If you are a homeowner, then you need good insurance coverage that is going to protect you from damages as a result of accidents or natural disasters. When shopping for insurance, make sure your provider can give you complete coverage without gaps that can create a financial hardship. Your agent can walk you through your options and discuss how you can obtain the right amount of coverage for your situation. If you live in or near the Boca Raton, FL area, Coastal Premier Insurance Group can work with you to help you get the right coverage. 

As a homeowner, you should be educated about your home insurance policy and the steps necessary to submit your claim. Work with a reputable insurance company such as Coastal Premier Insurance Group serving the residents in and around the Boca Raton, FL area. 

Life is great in Boca Raton, FL, but summer is the time of year to set sail, hit the road, or jet set away. But, before you head off on vacation, it’s essential you ensure your house is safe. Have fun and keep a peace of mind that your home is protected with these helpful tips.

Unplug Your Appliances

Electrical fires pose a severe risk to homeowners. A massive storm could come through the area, wipe out the electricity and cause a power surge to rush through your home. For appliances not protected by a surge protector, the surge could spark an electrical fire. Make sure you disconnect your unprotected devices before you leave. 

Research Insurance

Homeowners’ insurance policies can keep your house protected whether you’re at home, or not. It’s essential that you have a policy in place before you leave, and for protection when you return home. If you don’t have insurance, you’re unnecessarily putting your home and your sanity at risk. Coastal Premier Insurance Group, Inc. can help you design a plan that’s suited for your needs. 

Install Smart Lights

The goal of the average criminal is to break in, grab what they want, and get away as quickly as possible. When an intruder thinks you’re home, they will likely stay away. Install smart lights before you leave to create the illusion that you’re home, even when you’re not. The smart lights can easily be controlled from your smartphone, or you can set them on a timer for added convenience. 

Follow these tips to keep your home safer while you’re away. At Coastal Premier Insurance Group, Inc., we can help you with this goal. With a variety of insurance options to assist Boca Raton, FL homeowners, contact us so we can help you. 

State law does not compel the residents of Boca Raton, FL to purchase homeowners insurance, though federal law would require any home constructed in a flood plane to obtain flood insurance. Most banks will require residents to buy a homeowners insurance policy, and it can cover homeowners in situations such as property damage due to storms, fire, and theft. There are some things, however, that your indemnification will not cover, and it is important to understand what these things are. 

Scenarios Not Covered by Homeowners Insurance

The first set of circumstances that will not be covered are those that exceed the limits of your coverage. You should discuss your policy amounts with your agent, so you can decide if more insurance is needed. This can save you from the possibility of being sued if you cause an accident for which the bodily harm or property damage is greater than the insurance coverage that is available to you. 

If you have pets living on your property, your insurance may not extend to them as they are neither your possessions nor are they people. Your vehicle may also not be covered, and if your property incurs losses due to business activities, you may need a separate commercial insurance policy to be protected. Damages caused by watercraft, war, or nuclear devices may not be paid for,  and expenses due to flooding from sources outside the home will usually not be covered, as these fall under flood insurance perils. 

Let Coastal Premier Insurance Group Help You

We at Coastal Premier Insurance Group take pleasure in serving the Boca Raton, FL area, and we look forward to hearing from you. Our experts can handle any questions you may have about homeowners insurance, and you can reach us by telephone, contact us online, or stop by our office to discuss all your homeowner’s insurance package needs. For a quote, try our online rating tool.

One of the most important considerations, when renewing or buying a new homeowners insurance policy, is whether the policy covers natural disasters such as earthquakes or hurricanes. Standard homeowners’ insurance policies in Boca Raton, FL provide coverage for many items such as fire damage or theft, but when it comes to “acts of God,” not all of them are covered.

Natural disasters like floods or earthquakes are not covered, especially if you’re living in a high-risk area. High-risk areas are those prone to floods or those that are located along active volcanoes. Homeowners are therefore advised to acquire supplemental policies which will cover specific kinds of natural disasters such as:

Flooding

When it comes to flooding, not all flooding sources will be treated in the same manner. This is because flooding may be a result of plumbing failures, sinkholes, coastal surges, and river overflows. In many cases, homeowner policies will tend to exclude any damage related to flooding. The main exception is flooding caused by a damaged plumbing infrastructure such as a broken pipe. Coastal Premier Insurance Group highly recommends speaking to one of our agents to learn more about what water hazards home insurance covers.

Storm Coverage: Hurricanes

Boca Raton, FL homeowner insurance policies often cover natural disasters that may be related to wind damage. But, your standard homeowner’s policy will not provide coverage for flooding that accompanies storm surges that are associated with hurricanes. Any damage caused by tornadoes is typically covered as it is classified as wind damage. Water damage is also covered if water finds its way into the residence when your roof is damaged by the tornado.

If you have any more queries on the natural disasters that are covered by your homeowner’s insurance policy, please get in touch with Coastal Premier Insurance Group. Our homeowner’s insurance agents will be happy to attend to your needs. 

Is decreasing your home insurance a good idea?

A lot of homeowners have questions about home insurance policies and the policy limits they include. One of the questions that we at Coastal Premier Insurance Group, serving the greater Boca Raton, FL area, are often asked is whether you should ever decrease your home insurance coverage.

First and foremost, if you still owe money on your home, you may be unable to decrease your home insurance coverage. Always check with the lender to determine how much home insurance they require you to carry as part of your loan terms. 

If you do not owe any money on your home, you may be able to decrease your home insurance coverage. However, it is strongly recommended that you determine the value of your home and the value of the belongings contained inside of the house. You want to be sure that even after you decrease your coverage, there is still enough insurance to cover both inside and out. This helps protect you against a catastrophic loss, for example, if a fire sweeps through your home. If you carry less insurance coverage than the cost of your home and belongings, you will have to pay out of pocket the difference between what your insurance covers and the cost to rebuild your home or replace your belongings. Most people do not have this kind of money lying around, which is why having the right insurance coverage is so important.

If you are looking for a new home insurance policy or are wondering if your coverage amount best meets your needs, contact Coastal Premier Insurance Group serving the greater Boca Raton, FL area. We can help you determine how much coverage you need and then put together a policy that is ideal for you. Call us now to get started and have your questions answered. Also, try our online rating tool for quotes on home and auto insurance. 

Summer storms are just part of living here in Boca Raton, FL. However, if you believe your roof has suffered damage after severe weather, there are three important steps you should take. Review this list from our knowledgeable and friendly team at Coastal Premier Insurance Group.

Step #1: Visually Inspect for Damage and Mitigate Any Future Damage

The first thing you need to do, if you believe your roof has damage, is to inspect it visually. Note any spots where shingles are lifting or any areas of large damage. You also have a duty to mitigate further issues or leakage until repairs, which means getting the spots covered with tarps or other methods.

Step #2: Contact Your Boca Raton, FL Insurance Agent

The next step is to contact your homeowner’s insurance agent. From there, you will be able to determine your coverage, find out your deductible, and ask any questions you may have. After a claim is filed, an experienced adjuster will likely come out to your home to look at the damage.

Step #3: Find an Experienced Contractor to Handle Repairs

The next step in dealing with roof damage after a summer storm is to find an experienced roofer to handle the repairs. In some cases, your insurance agent or claims adjuster may be able to make a recommendation, or you can check with your local registrar of contractors.

Also, beware of contractors who go door-to-door after severe weather and those who cannot provide proper licensing credentials. Many homeowners have seen themselves swindled by criminals looking to make a quick buck. Instead, protect yourself by always asking for testimonials from past clients and about their experience before signing any contracts.

Are you ready to discuss your Naples, Port Charlotte, or Boca Raton, FL homeowner’s insurance policy? Contact our team at Coastal Premier Insurance Group today to schedule your no-obligation appointment. We are also here to answer any questions or concerns you may have about your policy. Also, try our online rating tool to get quotes for your home and auto insurance policies.

Buying your first home in Boca Raton, FL can be exciting, but protecting the home that you love is and should be priority. Our agents at Coastal Premier Insurance Group understand how important your home is which is why it is our mission to deliver top quality home insurance.

If you are moving into your home and haven’t considered how you will protect it from unforeseen incidents like burglary, weather disasters, or fires, allow our agents to provide you with the information you need to make the best choice for you and your family. Whether you’re worried about Florida hurricane season or break ins, we will pick the right insurance for you.

At Coastal Premier Insurance Group, we understand how difficult or complicated it can be to choose the ideal home insurance for your home. After all, this is the net that will ultimately catch you and your family in some of the most vulnerable times of your life. Our agents will walk you through the process and answer your questions and address your concerns. We make it our priority to ensure that the process of choosing home insurance is seamless and as simple as possible. Your home is more than just a place to provide shelter. Ensuring it’s safety means ensuring the safety of your property and family.

It’s never too soon to choose a home insurance policy to protect the place you call home, your precious possessions, and your family that you love. Jot down your questions, concerns, and what you want from your home insurance and bring it in to our office in Boca Raton, FL. Our agents at Coastal Premier Insurance Group will carefully guide you through the selection process. Give us a call to set up an appointment or for quotes on your home insurance, visit our website where you can try our online rating tool for quotes on your home. 

Homeowners insurance protects a property owner from costly out-of-pocket expense for repair and replacement of a home after a hurricane. When natural disasters strike, the benefits of a homeowners insurance policy covers expenses arising from repair and replacement of property. Homeowners insurance coverage also protects a property owner from legal liability. If a guest should sustain an injury during a visit, subsequent medical bills are covered.

Disaster Risk Protection

A home is a major investment that should be protected by a homeowners insurance policy. Florida homeowners insurance policies protect a property investment after a disaster. Insurance coverage pays for repairs to property damage, as well as the interior contents of a building. Protect your property and your finances with a homeowners insurance policy.

Liability Risk Protection

If a guest slips and falls, a property owner may be forced to pay for unexpected hospital and court costs. Negligence rules to liability oblige a homeowner to pay for guest injury. Homeowners insurance coverage compensates a guest who has been injured, by paying for a claim. Medical bills and legal fees are all covered with homeowners liability insurance.

Homeowners Insurance Coverage

Comprehensive Coverage – a full-coverage insurance policy covering property and liability damages from disaster or other risk event.

Individual Coverage – covers debt obligations and outstanding mortgage finance at time of accident or death.

Packaged Indemnity Agreements – insuring real property and personal effects in case of disaster damage or theft.

Combined Life Coverage – homeowners insurance and life insurance combined in a single policy, covering property, liability, and end-of-life expenses and benefit to beneficiaries.

To find out more about homeowners insurance policy claims, premiums, grace periods, and terms and conditions in Florida, and obtain a quote, contact Coastal Premier Insurance Group, Boca Raton, FL.