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Old 01-17-2013, 11:40 PM
 
Location: Courtice, Ont.
143 posts, read 207,566 times
Reputation: 93

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I'm waiting for my new house to be built which should(!) be ready end of March and I'm going to be looking into home insurance. I'd just like to know what I should be looking for as it will be my first house in Florida. We currently use Geico for our car insurance and have been very happy with them so I'll talk to them re: home insurance.

If it matters we are buying a ~3900sq.ft. home in Concord Station but nothing special or out of the ordinary other than we back onto conservation area. Anything I should make sure we get or coverage that isn't needed?
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Old 01-18-2013, 04:39 AM
 
5,453 posts, read 7,758,777 times
Reputation: 2141
Quote:
What do I need for home insurance?
"A home"....LOLOL (Sorry couldn't help it)


An alarm...
The structure itself (how sound it is)
Good Windows (for Hurricane purposes, but I think every builder puts them in now per the new code (passed after Charlie in 2004)
If you have hurricane shutters also helps...

That's about it.....no loose items on the patio...get heavy patio furniture that won't fly to your neighbors yard quickly...because that matters regardless of a hurricane, those can fly in a heavy thunderstorm, or a tornado...we get those too.
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Old 01-18-2013, 04:42 AM
 
Location: tampa bay
6,586 posts, read 6,798,111 times
Reputation: 9838
Wouldn't he need sink-hole insurance?
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Old 01-18-2013, 04:45 AM
 
5,453 posts, read 7,758,777 times
Reputation: 2141
Sinkhole is optional. The area of the home would have to be deemed sinkhole proned, or get inspected for that, but that just as flood is optional. If one is in an area deemed a flood zone then they would be stupid not to carry flood ins. Same with sinkhole.
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Old 01-18-2013, 04:48 AM
 
5,453 posts, read 7,758,777 times
Reputation: 2141
If this is a new built, "I" would have it tested for sinkhole before is to late, but also keep a close eye on the builder to make sure the floors are even, what drywall they're using, etc.
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Old 01-18-2013, 05:56 AM
 
1,422 posts, read 1,485,395 times
Reputation: 553
Where is the nearest fire hydrant? was asked this every time I insured.
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Old 01-18-2013, 07:30 AM
 
Location: Myrtle Beach
3,378 posts, read 7,872,468 times
Reputation: 2926
First off..... you should have found out what insurance was going to cost you before buying the house. Your insurance will ikely add $200 - 300 a month to your mortgage here in Florida. Hope you planned for that. Most lenders require it to be part of your escrow fund, so it will be wrapped up into your payment.

You will be required to carry sinkhole by your lender. You will have to carry comprehensive sinkhole insurance... they will not let you get away with catastrophic.... especially in Pasco County.

You will also need to have wind coverage. Did you check your area to see if you are in a flood zone? I doubt you are.... but if so.... you will be required to carry flood too.

Everything else is pretty much the norm.

Call your lender, ask what you need to carry and the maximum deductible you are allowed to have. Call around and get quotes.... I suggest a broker so they can do all the leg work for you.
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Old 01-18-2013, 07:49 AM
 
5,453 posts, read 7,758,777 times
Reputation: 2141
Quote:
Originally Posted by FloridaKash View Post
Did you check your area to see if you are in a flood zone? I doubt you are.... but if so.... you will be required to carry flood too.
When we had those days of continuous rain last summer, someone we know in Pasco county just around that area by Sun Coast Pky, who was by no means in a flood zone, got flooded like you wouldn't believe............floods happen when drains are not cleaned/maintained properly, not just when in a low lying zone...so, you may have to consider that as well.
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Old 01-18-2013, 10:43 AM
 
Location: Massachusetts
251 posts, read 431,170 times
Reputation: 93
Idk if I would use Geico for your insurance...I used them for car and Progressive for our home insurance (in Mass not Fla) and they convinced me to switch to Geico I told them I have a pool and a trampoline would it be a problem and they so, not at all...then I asked if it was a 'process' to switch and they assured me no, that they would take care of EVERYTHING!! So they convinced me to switch...well then I get a notice saying I owed them for a full year because the home owner had to pay first year up front( they never told me that, and I didn't have the money), then they said 'I' had to call and cancel my Progressive ins. myself (I told them if switching req. me to do ANYTHING at all that I didn't want to switch, because I was happy w Progressive but liked the idea of saving a bit on my car if Geico ins. both..so if they took care of everything for me then yes I would switch..they assured me I had to do NOTHING but say 'yes' over the phone to switch-lie) THEN my mortgage company said I had NO insurance after I paid the yr in full and they said they'd take care of it...so there en lies ANOTHER phone call that takes forever...THENNNNNNN I get a notice that they are going to cancel my new insurance because I had a trampoline!!!!!! I TOLD THEM I HAD A POOL AND A TRAMPOLINE, and they said NO PROBLEM!!! So now ANOTHER call to ins company and they told me they didn't know why the guy on the phone said no problem, because trampolines were NOT allowed...now my kids L-O-V-E that trampoline I mean they spend all day everyday on that thing so this is a big deal to me so I had to either switch to another company (pay yr in full AGAIN) or get rid of trampoline...needless to say this was the worst move I ever did switching to Geico..the people on the phone were very helpful and apologetic but it has been nothing but headaches and heart attacks the whole process...
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Old 01-18-2013, 10:49 AM
 
Location: tampa bay
6,586 posts, read 6,798,111 times
Reputation: 9838
Speaking as a mother whose "baby" is 18...dump the trampoline...they are not worth the trouble it will cause you because I can say with almost 100% certainty some child will get hurt on it...
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