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Homeowners Insurance Quotes in Boca Raton, FL

Andrew Goldwasser, Agent

561-405-6444

8221 Glades Rd - Suite 11
Boca Raton, FL  33434
Fax : 561-405-6444

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Homeowner's Policy Coverages

A Boca Raton Homeowner's Insurance policy is designed to cover the structure of your home, and includes protection for various kinds of Personal Property as well as Liability coverage. Want to know more? Give us a call at 561-405-6444 to speak to a local agent.

Home Insurance Coverage — What Is Covered

Standard home insurance coverage policies provide the following types of coverage, up to the limits outlined in the policies:

  • Dwelling — Pays for damage or destruction to your house and any unattached structures and buildings. Examples include fences, attached garage, or patio cover.
  • Personal Property — Covers the contents of your house, including furniture, clothing and appliances, if they are stolen, damaged, or destroyed.
  • Liability — Protects you against financial loss if you are sued and found legally responsible for someone else's injury or property damage.
  • Medical Payments — Covers medical bills for person(s) injured on your property.
  • Loss of Use — Pays for additional living expenses if your home is uninhabitable due to a covered loss. Most standard Boca Raton Homeowner's Insurance policies pay 10% to 20% of the amount of your Dwelling coverage.

Does my policy cover hurricane damage?

Yes, your homeowner’s insurance policy will cover damages cause by windstorms. The deductible for hurricane damage can range from 2% to 10% of the insured value of the dwelling depending on the policy.
NOTE: Hurricane damage is normally covered, but may be rejected in certain situations.

What does the hurricane deductible mean?

This is the amount that you, the policyholder, will have to pay out of pocket. For example, if your home is insured for $250,000 with a 2% wind deductible and has hurricane damages of $50,000.
The amount of the deductible will be 2% X $250,000 = 5,000.

The remaining amount ($45,000) would be paid by the insurance policy. What factors can affect Boca Raton Homeowner's Insurance premiums?

Home Features and Characteristics — The age of your home, type of structure, wiring, roof, garage, etc., can affect your Boca Raton Homeowner's Insurance premium. Older homes can often cost more to insure, and those costs can differ depending on whether your home is brick, frame, stone or has synthetic siding.

Location — Where your home is located can change your Boca Raton Homeowner's Insurance premium. For example, your home insurance rate can be affected if your home is in close to a fire station; is exposed to extreme weather, such as hurricanes, tornadoes or earthquakes; or is in a neighborhood more prone to theft.

Protective Devices — Burglar alarm systems, smoke detectors, fire extinguishers, sprinkler systems and deadbolt locks can lower your Boca Raton Homeowner's Insurance premium.

Personal Factors — What you do can affect your Boca Raton Homeowner's Insurance premium, too. For instance, smokers may pay more for home insurance than nonsmokers. A good credit history also can lower what you pay for home insurance.

Claims History — If you have a history of claims on a Boca Raton Homeowner's Insurance policy, you may pay a higher premium.

Discounts and Special Programs

There are many discounts are available on Boca Raton Homeowner's Insurance policies. For example, you may qualify for a discount if your home has an updated roof, a monitored alarm system, hurricane shutters or impact windows in Boca Raton.

Payment Options

In many instances your Boca Raton Homeowner's Insurance policy can be escrowed in with your mortgage. However, if you need to pay separately, many carriers now offer several convenient payment options.

Does my policy cover floods?

The fact is that Florida homeowner insurance does not cover damage caused by flood, and federal disaster assistance is only offered when the president declares a major disaster (which only happens in 50% of flooding situations).

Unfortunately, most people do not find this out until it is too late. However, flood insurance is available to protect homes and businesses and their contents in communities that participate in the National Flood Insurance Program.

Simply call 561-405-6444 or complete our online quote request form. A GreatFlorida Home Insurance Agent will help you find the best deal for you.

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About Homeowner's Insurance in Boca Raton, FL

GreatFlorida Insurance agents can easily explain the specific needs of your home in Boca Raton, FL. Along with mortgage requirements and the difference between dwelling, personal property, liability, medical payments and loss of use coverage as well as available discounts.

Get a Free Insurance Quote from your local GreatFlorida Insurance agent. They will help you find the most affordable options.

Your home is likely your most costly asset. It contains your belongings and valuables and more importantly your family and cherished memories.

After the overwhelming task of finding a new home in Boca Raton, it can be tempting to settle by purchasing a basic homeowner’s insurance policy that could leave you with inadequate coverage or paying for more coverage than you need.

GreatFlorida Insurance in Boca Raton, FL will make sure your homeowner’s insurance policy will provide adequate coverage to protect your home from fires, hurricanes, break-ins and more. Compensation for your financial loss will allow you and your family to continue living comfortably.

Florida Homeowners  Insurance Blog
by GreatFlorida Insurance
11/15/2017

Most consumers plan to spend their money online over the holidays. In their, “2017 Annual Holiday Survey,” independent research company, Deloitte, reveals 51 percent of people surveyed will opt for shopping online over shopping in-store this holiday season. This is the first-time holiday spending online will exceed brick and mortar store spending.

“It’s hard to beat the convenience of online shopping,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

By shopping online, consumers can avoid the chaos of malls and crowded stores. The frustration of parking and they are not restricted by store hours. Also, shopping online offers loads of great deals, unique finds and plenty of inventory.

With the increase of online spending comes a higher risk of becoming a cybercrime victim. So, here are some ways to avoid online threats this holiday season.

Use a secure internet connection when making a purchase. Avoid making purchases on a public wi-fi connection.

Make sure the website is secure. Look for the little padlock icon in the address bar or a URL that starts with “https” instead of “http,” the “s” stands for secure.

Check for well-known security labels such as DigiCert, VeriSign and other seals.

Create strong passwords. USA Today explains, “Many opt for a passphrase instead of a password, which is typically a long sequence of strung-together words, but perhaps with a number and symbol in there too. For example, the sentence “My dog Eddie has a birthday May 15!” could be used to create a passphrase like “Md3habM15!

Make sure to change your password on a regular basis or after a data breach with an online retailer.

Shop using a credit card. Credit card companies offer consumer protection policies making it easier to dispute fraudulent charges.

“If you are making a lot of purchases, it is good to regularly review your bank and credit card account statements for discrepancies,” says Buck with GreatFlorida Insurance, Florida’s leading independent homeowners insurance company.

Use common sense and avoid a deal “too good to be true.”

Buy from trusted sources, shop from brands and sources you are familiar with using.

Be a savvy shopper and read the fine print for return policies.

Beware of phishing scams. A popular one this time of year is an email claiming to be from a package delivery service including links to tracking information. Clinking on the links can put you at risk for malware or identity theft.

“Thanksgiving is an ideal time to express my gratitude to our phenomenal independent agents and their staff for all their hard work to make GreatFlorida Insurance a success. Also, a big thanks to all our customers. It is our honor and pleasure to serve you and your families,” Ellsworth Buck, Vice President of GreatFlorida Insurance.

The post Online Shopping Protection appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
11/1/2017

The wintertime tradition of setting our clocks back before bed on Saturday is coming. Sunday, November 5 at 2 a.m., Daylight Saving Time (DST) will come to an end and we welcome Standard Time.

“Whether you like Standard Time or DST, the disruption seems to be what annoys people the most,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

We “fall-back” and do not have Daylight Saving Time until Sunday, March 11, 2018.  About a week before spring begins.

Energy Savings?

Daylight Saving Time was originally invented to reduce energy consumption. However, a 2008 U.S. Department of Energy study reported Daylight Saving Time reduces annual energy use by about 0.03 percent.

After Indiana adopted Daylight Saving Time in 2006, The National Bureau of Economic Research examined power usage statistics. They found that electricity consumption rose 1 percent overall, with a 2– 4 percent increase during the fall. The additional power usage cost Indiana power users $9 million a year and increased pollution.

Better for our Health?

Some health experts feel our bodies never adjust to DST. They believe the body’s internal clock, (circadian rhythm) follows the sun and adjusts naturally. Despite social changes, you cannot fool your biological clock.

Researchers at the Brookings Institute found public safety can benefit from Daylight Saving Time. When DST begins in the spring, theft drops for the day on an average of 7 percent. We experience a 27 percent reduction in robberies during the evening hour that added extra sunlight.

“Being able to walk out to your car from work while it is still light outside definitely makes you feel safer,” notes Buck with GreatFlorida Insurance, Florida’s leading independent car insurance agency.

Brookings Institute also reports, the DST time shift reduces our response time and cognition adding extra stress on our bodies. There is an increase in the number of traffic accidents, workplace injuries and heart attacks in the days following the time change as our internal clocks are thrown off. They feel most of these costs are due to the transition between Standard Time and Daylight Saving Time, not the sunset time itself. By moving to a year-round DST and permanently shifting that hour of daylight to evening, their research suggests we would be safer.

The post The end of Daylight Saving Time appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
10/25/2017

Werewolves howl. Phantoms prowl. Halloween’s upon us now.” Richelle E. Goodrich

If you enjoy being spooked, dressing up and sweets, Halloween is your night. Of course, all the activity, fun and mischief can result in calamities. GreatFlorida Insurance wants to make sure you enjoy an amusing and safe Halloween this year by checking out the following tips.

Drivers

“Children are more than twice as likely to be hit by a car and killed on Halloween than on any other day of the year,” reports The National Safety Council.

  • If you plan to leave your home, try parking so you do not have to back out of a parking space.
  • Check around your vehicle for little ones before you leave.
  • Be prepared to stop at crosswalks and intersections.
  • Stay off your cell phone.

“Drive especially slow that night,” suggests Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent car insurance agency.

Trick-or-Treating Trail

Set ground rules before your kids head out. Halloween is a night of pranks. Teach your children the difference between a prank and vandalism to keep them safe and out of trouble.

  • Children under 12 years of age should have adult supervision.
  • If you are with your kids, ditch the phone. Parents need to be in the moment and pay attention.
  • Make sure to stay on sidewalks and cross the street at corners and crosswalks and always look both ways before you cross.
  • Tell your kids to never go into a stranger’s home.
  • Set a time limit for your older kids to be out and be familiar with their route.
  • Encourage kids to avoid short-cuts through alleys and backyards.

At Home

  • Create a clear path to your door. Pick up leaves, debris and garden hoses, toys and bikes so trick-or-treaters do not trip.
  • Provide good visibility. Turn on your outdoor lights and make sure to replace burned out bulbs.

“A homeowner is not liable if someone falls or trips on their property, unless the homeowner was negligent. Do your best to keep pathways repaired and potential obstacles put away,” warns Buck with GreatFlorida Insurance, Florida’s leading independent homeowners insurance agency.

Pets

  • Do not leave your pets in the yard, they can frighten children and entice pranksters.
  • Keep your animals confined and away from the door during trick-or-treating hours recommends The American Society for the Prevention of Cruelty to Animals, ASPCA.
  • Halloween candy is not for pets, chocolate, especially dark chocolate can be toxic to dogs and cats.
  • Pet costumes can prompt laughs, but cause stress for your animal. If you dress them up, try a test run first. Make sure their mobility, sight and ability to breath is not limited.

Costumes

  • Make sure the costume fits properly to prevent trips and falls.
  • Try using non-toxic face paint and make-up instead of masks to make sure vision is not restricted. If you use a mask, make sure the eyes and nose holes are large enough.
  • Have kids carry glow sticks or a flash light so they can be seen. Using reflective tape on a costume or candy bag is also helpful.
  • Do not allow your kids to carry sharp or dangerous accessories with their costume.
  • If you or your kids are using decorative contact lenses as part of a costume, make sure to get them from a reputable eye center and try them out first.

 

The post Keeping Halloween Fun, Frightening and Accident Free appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
9/29/2017

Gone are the days of hearing chainsaws as the soundtrack to our lives. Debris clean-up is complete. And schools and most businesses across the State are reopen. “Florida residents are anxious about getting their lives back to normal after Hurricane Irma,” says Ellsworth Buck with GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

While the return to ordinary life is welcome, many across the state are dealing with some kind of damage. Expectedly, Hurricane Irma property insurance claims continue to add up across the state. The Florida Office of Insurance Regulation, reported as of September 26, over $3.8 billion in losses so far. A total of 605,520 claims have been filed. These numbers represent residential as well as commercial claims. Dade county has the highest number of claims across the state.

In an effort to help property owners recover, the State’s insurance commissioner, David Altmaier has frozen insurance rate increases. He issued an emergency order temporarily suspending policy cancellations and rate increases by insurance companies. Insurance companies are prohibited from raising property insurance rates until December 3 of this year. They also cannot cancel or refuse to renew polices between September 4 through October 15.

Additionally, the order prevents the cancellation or nonrenewal of policies covering residential properties damaged by the hurricane until at least 90 days after the properties are repaired. Any cancellations or nonrenewals issued or mailed between August 25 and September 2 shall be withdrawn and reissued no earlier than October 15.

Aside from residential losses, Florida’s top industries are experiencing setbacks. “Hurricane Irma really hit the tourism and agricultural industries,” reports Buck from GreatFlorida Insurance, Florida’s top independent homeowners insurance agency.

This Sunday, the first cruise ship returned to the Florida Keys. An encouraging sign for tourism. Some areas in the Keys will officially welcome tourist October 1, while other locations are still dealing with clean-up. Many hotels in the region will not re-open until early October. Most golf courses throughout the state and big theme parks are already back in business.

However, the Palm Beach Post reports, widespread destruction of Florida’s agricultural industry. This fall we will experience, low inventory and high prices in grocery stores. Most damage happened in Southwest Florida. Citrus groves took the brunt of the storm. Nevertheless, sugar cane fields and  rice crops suffered much damage along with tomatoes and avocados. Vegetables including eggplants, bell peppers and lettuce were also hard hit.

The post Recuperating from Hurricane Irma appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
9/6/2017

With Hurricane Irma’s path is still uncertain, preparations across Florida are underway. State officials are warning residents to prepare for the worst.

“Seeing the recent destruction caused by Hurricane Harvey, Floridians are taking this storm threat seriously, says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

What do you need?

For starters, assemble an emergency kit. Your emergency kit should contain at least the essentials. Consider making one to keep in your car and one at home. The Federal Emergency Management Agency, FEMA recommends:

  • Water-rule of thumb is one gallon per person per day for 3 days
  • Food-non-perishable items for at least 3 days for each person
  • A battery powered or hand crank radio
  • Flashlight with extra batteries
  • First aid kit
  • Multi-purpose tool, such as Swiss Army knife
  • Personal hygiene items
  • Plastic bag for trash
  • Map of your area
  • Medications
  • A copy of important documents- birth certificates, passport, insurance policies, etc.
  • Blanket
  • Emergency contact information
  • Cell phone and charger

Try to always keep at least half a tank of gas in your car in case you need to hit the road in hurry. Likewise, have some cash on hand or in your emergency kit. Also, know if you live in an evacuation area, get familiar with the evacuation routes.

 

Handling Insurance

Time is an asset. “As part of your preparations take a photo inventory, it is the simplest way to document your possessions,” suggests Buck with GreatFlorida Insurance. Snap pictures of your closets and drawers to show ownership of clothes and shoes. Take clear photos of jewelry, electronics, power tools, china and other valuables you might own. Date the photos and if possible list the purchase price. If anything is destroyed, this step is helpful when dealing with replacement costs regarding homeowners insurance and renters insurance.

Most homeowners insurance cover hurricane wind damage, but not flood damage. Flood insurance is provided by the National Flood Insurance Program. According to the National Oceanic and Atmospheric Administration, (NOAA), “Flooding is the most frequent and severe weather threat.” With 90 percent of natural disasters in the U.S. being flood related. Floods are also the costliest natural disaster.

Federal disaster assistance is only offered when the president declares a major disaster, which happens half of the time. The Insurance Information Institute, III reports that most insurers will not allow changes to be made to insurance policies once a hurricane watch or warning is issued by the National Hurricane Center.

What to expect?

The National Hurricane Center is reporting that Irma is currently a category 5 hurricane and “extremely dangerous.” Hurricane Wilma (category 5), hit Florida in 2005 leaving almost 4 million people statewide without electricity for several days. Widespread flooding and property damage is common during a severe storm preventing access to clean water and shutting down businesses.

Hurricanes cause storm surges and battering waves, producing an abnormal rise of water that can travel several miles inland. There is also flooding from heavy rains, along with wind and tornadoes.

Insurance is designed to help people rebuild their lives. GreatFlorida Insurance can help protect your home with a Florida flood insurance policy provided by the National Flood Insurance Program. We also offer homeowners insurance and renters insurance.

 

 

 

 

 

The post Preparing for Hurricane Irma appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
8/22/2017

Recently, Consumer Reports published an article, “What you don’t know about homeowners insurance could cost you.” The article serves as an important reminder to review your policy before disaster strikes. Do not be caught overpaying on homeowners insurance while lacking the protection you expect or truly need.

“Purchasing a home is an overwhelming task, with so many details so when it comes time to get homeowners insurance, it is common to select inadequate coverage without knowing it,” says Ellsworth Buck, Vice President of GreatFlorida Insurance.

Homeowners insurance serves to protect you and your family from the anxiety of a worst-case scenario. Of course, if a catastrophe doesn’t occur, you probably don’t think much about it. Consumer Reports unveils some surprises to consider when selecting and reviewing your homeowners insurance. We examine some of them below.

Paying too much

Homeowners insurance requires a careful assessment of your risks and coverage needs. We recommend working with an independent agent who can compare premiums and isn’t beholden to just one company,” says Consumer Reports.

When selecting homeowners insurance, go with a company that offers flexibility in pricing. Independent insurance agents like the ones at GreatFlorida Insurance, comparison shop different insurance companies to find customers the best service at the best price. Captive agents at a company such as Allstate are restricted to only offer their company’s insurance products leaving you no other options for price. Switching insurers on your current policy could save you thousands.

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Not enough coverage

A standard homeowners insurance policy covers the structure and outbuildings, contents of the home, liability if you are legally responsible for damage to others, medical payments if someone is injured on your property and additional living expenses if your home is uninhabitable due to a covered loss. Any additional coverage, you most likely will need to add.

Also, the amount of homeowners insurance required, is partially determined on the value of your home. Renovations will drive up the price of your home and your current insurance might not be sufficient to replace your new items, such as a new marble counter top if it is damaged.

However, renovations do not always mean an increase. Some upgrades such as window and door replacement or the installation of a security system can make you eligible for lower premiums or discounts.

Consider Flood Insurance

“It only takes inches of water in your home to cause thousands of dollars’ worth of damage,” reminds Buck with GreatFlorida Insurance. The Federal Emergency Management Agency (FEMA) declares flooding as the most common disaster in the U.S. With the storm frequency in Florida, every homeowner should have flood insurance. However, it is not included in homeowners insurance.

Nevertheless, flooding is not only caused by storms but overflowing tubs, toilets and sinks. Flood insurance is available to protect homes through the National Flood Insurance Program (NFIP). Your insurance agent can sell you a flood insurance policy through the NFIP, which is administered by the U.S. Government.

Contact GreatFlorida Insurance if you want to sign up for Flood insurance or review your homeowners insurance policy today.

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The post Homeowners Insurance-Are you getting what you pay for? appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
8/16/2017

In case you have not heard, Monday, August 21, a total solar eclipse occurs. “This is the first time a solar eclipse is viewable from the continental U.S. since 1979,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

A solar eclipse happens when the moon passes between the sun and the Earth. According to NASA, this celestial event will last close to 3 hours. Only those on the within the path of totality will be able to view a 100 percent total solar eclipse. That path begins in Oregon and stretches to parts of Montana, Idaho, Wyoming, Nebraska, Iowa, Kansas, Missouri, Illinois, Kentucky, Tennessee, Georgia, North Carolina ending in South Carolina.

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What can we see?

The solar eclipse will make its appearance in Florida at 1:15pm. While Florida will not see 100 percent of the solar eclipse, the best view will take place in the northeast part of the state. Jacksonville will view 90.5 percent of the sun covered. Less coverage is seen the further south of the state you are.

“Clouds will cause an obstruction, so we are hoping for clear skies that day,” says Buck with GreatFlorida Insurance, Florida’s top independent homeowners insurance agency.

Protect your eyes

It is easy to blow off the warnings about looking at the eclipse without the proper protection but don’t. While blindness might be an exaggeration, serious eye damage can occur. The National Eye Institute reports, solar retinopathy is a condition caused by staring at the sun. It occurs when sunlight burns and potentially scars the retina. Symptoms include central graying and fuzziness of vision.

The American Astronomical Society (AAS) informs, the only safe way to view even a partial eclipse is through special purpose solar filters such as eclipse glasses or a hand held solar viewer. It is important to make sure your viewing accessories are certified and safe, meeting the ISO 123212-2 international safety standard. Take caution when purchasing solar eclipse glasses. Counterfeit versions are flooding the market. Your solar viewing device must also be free of scratches, punctures, torn or damaged. Public libraries are providing free solar eclipse glasses but most are already gone.

Retailers selling reputable solar eclipse glasses include:

7-Eleven

Best Buy

Circle K

Lowe’s

Pilot/Flying J

Toys “R” Us

Walmart

Schools are aware of the dangers the solar eclipse can cause to the eyes and many are moving activities inside during the eclipse. Check with your school to see what precautions they are taking for this rare event.

Contact GreatFlorida Insurance to keep your home and valuable protected with reliable homeowners insurance.

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The post What you need to know about the solar eclipse appeared first on The GreatFlorida Insurance Blog.