Florida Homeowners Insurance Policies & Coverages

Home Insurance Policies for Florida Homeowners

Home insurance Policies can be more complex than most people might think.  There are many types of Insurance coverages to choose from and knowing which one to choose can be intimidating.  Our agents are trained and certified insurance specialists and can help you with any of your insurance needs.  We offer instant Home insurance Quotes via Phone, Email, Chat or in person. Full Cover Insurance Solutions gives you the best home insurance rates anywhere in Florida.  We maintain a strong relationship with hundreds of insurance policy writers and keep our commitment to you as the customer to offer the best possible price. Make sure to check out the links to the right for more information about the types of coverages and companies we provide. 

Florida Home Insurance Getting Started Guide.

We have put together a quick guide below to help you make a more informed decision. Our agents can help you anytime with all types of policies and the insurance coverage you need.

  • First Determine Your Insurability.
  • Our Insurance agents will need to ask you for extensive information about the dwelling you are insuring. Obtain as much of this information as you can before you start the search. What year was the home built in? How old is the plumbing and electrical in the home? What type of roof does the structure have installed? What is the total Square footage of your home? How many claims have been made on this home in the last five years?Where is your home located?

    Having the answers to these questions will make the process of getting you the cheapest home insurance rate for the coverage amount and dwelling type much easier and quicker.

  • What is your Deductible price range?
  • No matter what type of insurance you are attempting to obtain or renew your deductible plays a vital role in how much money you can save on your home insurance policy. While Typically Florida Home Insurane companies start giving discounts at a 500.00 dollar deductible and go up from their. Most florida home insurance companies do offer deductibles of 10,000.00 dollars. but be careful which one you choose. This is where doing some homework pays off. Many mortgage companies will not allow you to exceed a 1,000.00 dollar deductible. So check with your lender to make sure the deductible you want is approved before opting for that higher deductible.

  • How Much Insurance do you really need?
  • Our Florida Home Insurance Specialist will use a cost estimator to figure cost replacement estimates. This will help to ensure your home and belongings are insured for the correct amount. Remember that Insurance writers do not insure dirt, so if you buy a home that includes a large lot dont be suprised with the insurance policy is alot less than you actually paid for the home. This is only because your insuring your home and the land is not viewed as a part of the florida home insurance policies. Our agency wants you to be informed when making a decision on your home insurance policy choice. In the past , replacement coverage was called Gauranteed Replacement Cost. Dont be fooled no such coverage exists in todays market.Each Insurance company designates a percentage of additional coverage on top of the insured amount which gives you what is now known as replacement cost coverage. This is designed to protect the homeowner suffering from a loss from paying additional construction costs to rebuild out of pocket. It can cost more to build your home simply because of inflation of labor cost or because material prices have increased. a easy example: Your florida home insurance coverage is insuring your home for $300,000.00 and the company has a 125% replacement cost coverage, the homeowner would receive an additional $75,000.00. Our Florida Home insurance specialist recommend a 200% replacement cost coverage, which will give the homeowner double the coverage.

  • What Policy Options Will you need?
  • Homeowner’s insurance protects you in case of damage to your dwelling or property, injury to your guests, or events for which you may be held liable for injuring another person or damaging their property. A typical homeowner’s policy contains these standard coverages and may provide you with options to purchase additional coverages. You may also request an increase in limits if you’ve renovated your property, or have special possessions like art, jewelry or other collectibles for which you’d like extra protection. Choose the policy that’s right for you

  • Check for Available Discounts
  • Our highly qualified team of florida home insurance specialist can help you with this daunting task but it is always good to know what you are eligble for before you make the call. Having an Alarm system that reports to a central station could earn you as much as a 10% discount. If you are over 5o years of age and dont mind admiting it, you could be eligble for a discount. All of our Home Insurance Companies have different options that could help you save alot of money. That is where fullcover insurance agents will shine above its competitors and provide you with the maximum amount of discounts you can possibly recieve. Thus we produce the best Florida Insurance Rates at the most affordable prices.

  • We always encourage you to review your Policies
  • We are always preaching to this to everyone we meet. Check with our Agents and review your current Home Insurance Policy. You might be surprised to find out that the market has changed since you last purchased a Home Insurance Policy in Florida and you could be saving a small fortune.

Remember our highly qualified Home Insurance Agents are just a click or call away. We know how to get you the right coverage for the best rate. We have 10 + years experience with Florida Insurance Providers and know how to find a Home Insurance Policy that fits your budget and gives you peace of mind.


Contact Information

Full Cover Insurance Solutions
3141 S. Florida Ave.
Lakeland, FL 33803

Phone: 863.248.6580

facsimile: 863.248.2138

Hours of operation:
Mon - Fri.  9am-6pm
Sat.: 10am - 2pm

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