Affordable Homeowners Insurance Quotes in Florida

AFFORDABLE HOMEOWNERS INSURANCE QUOTES

Save time & money with John Galt Insurance

HOMEOWNERS INSURANCE

YOUR HOME IS YOUR SANCTUARY,
LET US HELP YOU PROTECT IT!

Life happens when you less expect it, that’s why Wayne Lucas Insurance works hard to give you a peace of mind knowing that your home is fully protected.

Since we understand that finding the right homeowners insurance can be stressful and confusing, our agents are committed to helping you navigate through all the critical policy decisions. In order to secure you the most appropriate and efficient coverage, it’s important to us that we take the time to truly understand your unique insurance needs.

As an Independent Insurance Agency, we have access to all the top rated carriers in the Florida Insurance market and we do not work for any one carrier. That’s because, we work for you!

WE'RE HERE TO HELP PROTECT YOUR HOME & PERSONAL PROPERTY.

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Insurance Today!

WHY CHOOSE AN INDEPENDENT INSURANCE AGENT?

John Galt Insurance is a Florida Independent Insurance Agency which means you have the power to choose! Most importantly, you get the benefits from making smart choices when it comes to the coverages you need to fully protect your most valuable items. That's why we are the perfect match for you. Whether it’s comparing insurance plans continually, finding you the best rates or guiding you through the process if you so happen to need to file a claim, we always have you covered! After all, we work for you and not the insurance carriers.

With our network of top rated Insurance Carriers in Florida and our knowledge and expertise in Florida Home Insurance, you can rest assured we can take care of all your insurance needs.

COVERAGES

WHAT DOES HOMEOWNERS INSURANCE COVER?

In order to provide you with the most appropriate and efficient coverages, it’s important to us that we take the time to truly understand your unique insurance needs. Basically, we start by getting to know you and your home, so we can tailor a homeowner insurance package that protects your home’s value and covers every detail you care most about. In reality, every Florida home and homeowner is unique—so why shouldn’t your policy be?

Our process and expertise makes it quick and easy to find the best value policies and protections against the unexpected. Let us take home insurance off your to do list and give you a peace of mind.

The Components of A Homeowners Insurance policy include:

Dwelling Coverage

Coverage A

The first section of your homeowners policy is Dwelling Coverage. Basically, this coverage is for the actual home itself. The value limit of this coverage should be set to at least the amount equal to what it would cost to rebuild your home. This is known as replacement cost coverage.

Other Structures

Coverage B

In the Other Structures section provides coverage for structures that are not attached to your home such as fences, sheds and detached garages. Typically, this coverage is set to 10% of your Coverage A, but it should be adjusted up if there is a need for increased coverage limits.

Personal Property

Coverage C

In the insurance world, an easy way to describe what the Personal Property sections covers is if a house was to be turned upside down and shaken, what would fall out is what would apply to this coverage. Examples of personal property include clothes, furniture, electronics, and most appliances.

Loss Of Use

Coverage D

The Loss of Use Coverage provides reimbursement for additional living expenses in the case that a covered peril causes damage to your home that makes it un-livable. In this case, you may need to move out of the home and rent a different home or a hotel room for the meanwhile. It can also include food, laundry, parking, etc.

Liability Coverage

Coverage E

The Liability Coverage provides protection against things like medical bills and legal fees if someone happens to be injured on your property or in the case you are found liable. This only includes unintentional situations. Certain factors can make your home more risky in this regard. Examples include trampolines, pools and even dogs.

Medical Payments

Coverage F

The Medical Payments section provides protection against payments for minor medical bills to those injured on your property. This kicks in without being sued. The typical coverage amount for a standard policy is limited to $5,000 per claim. It is possible for this portion of the policy to provide a payout even when the injury was not your fault.

HOMEOWNERS INSURANCE QUOTES MADE EASY

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Frequently Asked Questions

Is Homeowners Insurance Required in Florida?

No, Home Insurance is only required if you have a mortgage. Typically, homeowners insurance is not required, however, since your home is usually one of you biggest assets, it is strongly recommended to protect your it with home insurance.

What factors effect my home insurance rates?

Factors that effect the insurance rates on your home:

• Type of structure
• Condition of your home
• Construction Materials used to build your home.
• Type of roof and straps
• Hurricane Shutters
• Home Location
• Protective Devices, alarm systems, smoke detectors
• Personal Factors — Smoking and Credit History
• Claims History

Does Home Insurance cover Hurricanes?

Since every policy is different, it’s important to review your policy’s list of exclusions for anything related to “wind” or “windstorms,” and “water” or “flooding”. Keep in mind, Florida laws are very specific regarding when the Hurricane Deductible applies, for what duration of time and how many can be applied in a calendar year. We are here to discuss your options and how impacts can effect your home.

What is the difference between ACV and RCV?

Actual Cash Value (ACV) is the cost to repair or replace your damaged property at the depreciated cost and Replacement Cost Value (RCV) is the cost to repair or replace your damaged property at the full replacement cost.

Do I have to wait to switch my Carrier?

No, you may switch your policy at any time! In the event you want to switch carriers, Our agents are here to help you in the process as most insurance policies provide a refund for any unearned premium that has already been paid. Then, we can bind your new home insurance policy in right away.

Does Home Insurance cover Flooding?

No, Homeowners insurance does not protect against losses from Floods. Florida Homeowners need to purchase a separate policy to protect against floods. Only Flood Insurance covers damage caused by rising waters.