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The Fuller Insurance Team are Florida homeowners insurance experts. When you request a homeowners insurance quote from Fuller Insurance, we gather all the pertinent information from you over the phone. Then, we begin a comprehensive underwriting process that includes reviewing the county property appraiser records on your home, calculating the replacement cost on your, reviewing any claim reports, and inspecting the home if necessary. We want to have a thorough understanding of your home. This is important so we can effectively market your home to the different Florida homeowners insurance companies we represent, and to make sure there are no surprises after we submit your insurance application.

We will give you an honest recommendation, free of charge. The Fuller Insurance Team writes Florida homeowners insurance every day, so you can feel confident knowing Fuller Insurance is handling your homeowners insurance.

We represent several Florida homeowners insurance companies, including American Strategic, Bankers, Federated National, Florida Peninsula, Olympus, Sunshine State, and many others. Depending on your particular home and your insurance needs, we market your insurance to each insurance company. Then, we recommend to you the type of homeowners insurance policy, the coverage amounts, and the terms that best suits your situation. We take time to understand your situation.

Florida homeowners insurance can be complicated, especially if your home is located near the beach, a coastline, a bay, or bayou. Our office is located in beautiful Santa Rosa Beach, Florida - only 1.5 miles from the beach, so we are experts at writing Florida homeowners insurance near the water. In fact, we have over 16 years of experience writing homeowners insurance policies in the communities of Destin, Miramar Beach, Santa Rosa Beach, Freeport, and Panama City Beach, Florida.

Homeowners, Windstorm, Flood Insurance

When you own a home in Florida, there are three main insurance policies to consider: a homeowners insurance policy, a windstorm insurance policy (if windstorm coverage is excluded in your homeowners policy), and a flood insurance policy. In Florida, homeowners insurance companies have the option to exclude windstorm insurance coverage along certain areas of the coast. Homeowners may purchase the windstorm insurance coverage from the state insurance company, Citizens Property Insurance Corporation. In addition, if your home is located in a flood hazard area, you may be required to purchase a flood insurance policy from the National Flood Insurance Program. But don't worry, Fuller Insurance represents Citizens Property Insurance Corporation and the National Flood Insurance Program, so we can take care of all three policies for you.

Property

There are many different insurance coverages built into a homeowners insurance policy. Property coverage insures your real property (the house itself), any other detached structures like a property fence or utility building, and your personal contents.

Additional Living Expense

Additional Living Expense (also called Loss of Use), is another coverage on your homeowners insurance policy that pays for a temporary place to live if your home is damaged under a covered claim and is not liveable.

Valuable Items Coverage

You might own valuable jewlery, antiques, computer equipment, or photography equipment - we can insure these items as well. Depending on the situation, we can add this coverage to your Florida homeowners policy or we can write a separate inland marine or personal articles floater policy.

Personal Liability Coverage

Homeowners insurance covers your personal liability. The typical Florida homeowners insurance policy provides $300,000 or $500,000 in personal liability coverage. If you have assets valued more than this, you should consider purchasing a Florida personal umbrella policy. A personal umbrella policy is a separate liability policy that provides an additional $1 million or more of liability coverage for you.The additional liability coverage also covers auto liability, watercraft liability, rv liability, an any other potential personal liability exposure you have. The Fuller Insurance Team can write Florida personal umbrella policies up to $10 million.

Medical Payments

Medical Payments coverage helps to pay for incidental medical expenses for people that are injured on your property or in your home. Note that Medical Payments does not pay you (the homeowner), it only covers your guests and visitors and is usually a maximum of $5,000.

Ordinance or Law Coverage

An another coverage that may be included on your homeowners policy is Ordinance or Law Coverage. This coverage provides you with additional money to meet new or updated local building code ordinances or laws. For example, say your house was built in 1990 and then was destroyed by a fire. In 2003, your county passed new building code ordinances and laws that increases the cost of building back your home. If you have Ordinance or Law coverage on your homeowners insurance policy, the insurance company would provide additional funds to meet the new building code requirements.

Mold Exclusion

Most Florida homeowners insurance companies exclude mold-related property damage or only include $10,000 in coverage. Mold-related property damage is when mold damages the structure of the home. The mold may result from a burst or leaking pipe, storm damage, or flood damage. Some homeowners insurance companies offer the option to purchase additional coverage.

Sinkhole and Catastrophic Ground Collapse

Florida has more sinkholes than any other state in the nation. Florida law defines a "sinkhole" differently from the insurance coverage called "catastrophic ground cover collapse." A "sinkhole" is "a land form created by subsidence of soil, sediment, or rock as underlying strata are dissolved by groundwater. A sinkhole may form by collapse into subterranean voids created by dissolution (the dissolving) of limestone or dolostone or by the subsidence as these strate are dissolved."

"Catastrophic ground cover collapse" is defined as "geological activity that results in all of the following: 1). The abrupt collapse of the ground cover; 2). A depression in the ground cover clearly visible to the naked eye; 3). Structural damage to the building including the foundation; and 4). The insured structure being condemned and ordered to be vacated by the government agency authorized by law to issue such an order for that structure."

So, if your home is damage from sinkhole activity, then the damage must meet the definition of "catastrophic ground cover collapse." If it does not meet this definition, there may be coverage under the separate "sinkhole coverage endorsement," but you must pay an additional premium and request that the "sinkhole coverage endorsement" be added to your homeowners insurance policy.

Properties Owned By Corporations, LLCs, Trusts

Many times, homes are owned by a family trust, or business partners purchase vacation homes as an investment. These situations are quite common in Florida. Fuller Insurance can write a Florida homeowners insurance policy for family trusts, corporate owned homes, vacation homes, rental homes, homes owned in an LLC, and corporate owned condominium units. Whether it is a long term rental home, a seasonal home, or a short term vacation rental home, the Fuller Insurance Team can write a homeowners insurance policy to cover it.