Do You Need Florida Homeowners Insurance?

Is Florida homeowners insurance from really that important? Even though it seems like something you should have, you may not fully appreciate just how crucial it really is.

Why Florida Homeowners Insurance Matters

It’s probable that a lot of time, though, and certainly, money has gone into the purchase of your home. People consider becoming a homeowner to be one of the most important financial decisions a person could ever make. It’s a huge factor in determining your credit, and it’s the kind of investment in your future that pays off in a wide variety of ways.

With all this in mind, it’s just smart to protect yourself with the best Florida homeowners insurance from you can possibly get. Doing so carries with it a number of benefits, and it’s important to be aware of those benefits. The greater your appreciation of Florida homeowners insurance, the more likely you are to appreciate just how serious the matter really is.

Florida Homeowners Insurance Matters Because:

  • Florida is a state that’s suspect to some pretty severe weather conditions. Hurricanes and flooding are common in many parts of the state. If you’re moving to Florida for the first time, ask someone who has been a regular of the state for a number of years. They are very likely going to tell you that the weather in Florida, particularly during the summertime, has the potential to be chaotic and destructive. That shouldn’t deter you from buying a home in the sunshine state, but it should drive home the fact that getting your home and more insured is one of the most important decisions you will ever make.
  • You’re protecting your future. It’s worth mentioning again that your home is an investment in your future. Comprehensive insurance from a Florida homeowners insurance provider guarantees you’re protecting that investment in your future.
  • You’re not just protecting your home. Homeowners insurance doesn’t just protect your home. It also safeguards your property and even your personal belongings.
  • You’re paying for peace of mind. With comprehensive insurance, you can rest at least a little easier than you would without it. While you can’t predict the future, you can do everything within your power to make sure you’re ready for anything it might throw at you.

Florida Homeowners Insurance Shopping

Shopping for Florida homeowners insurance can seem like a daunting measure, especially to a first-timer, but it doesn’t have to be. Keeping a few simple things in mind will help you find a provider who will give you the range of coverage you need.

  • How long has this company been providing homeowners in the state of Florida with insurance?
  • Will they help to create a level of coverage that’s specific to my home, location, surrounding property, and personal belongings?
  • If I need to determine my replacement cost estimate, will the insurance company I’ve chosen help me to do that?
  • How have people felt after dealing with their claims process? Was it simple or a huge headache?

Shop around at and find the homeowners insurance company that’s right for you.

Comments Off on Do You Need Florida Homeowners Insurance?

Answering Questions About Southern Fidelity Insurance

There are many insurance companies out there, especially in Florida, though a lot of people don’t know where to start looking for them. Luckily for them, Florida is home to many insurance companies with policies that may suit what they might be looking for in an insurance policy.

Southern Fidelity Insurance from is one of those insurance companies. Established in 2005, Southern Fidelity Insurance has since provided insurance to people living in Florida, as well as South Carolina and Louisiana. Since they’re primarily based in Florida, they naturally provide many insurance options for people living in the state. Much of those insurance options are geared toward people who live in residential properties… or, in other words, homes.

Southern Fidelity Insurance may have what some people want in home insurance. If you want to know what Southern Fidelity Insurance may have to offer, we’re going to answer a few questions that people may have about the Florida insurance company.

Questions and Answers… for Southern Fidelity Insurance

What Can Southern Fidelity Insurance Provide Me?

Southern Fidelity Insurance is an insurance company that’s dedicated to providing ‘above satisfactory service’ for homeowners in the aforementioned states. They mainly provide homeowners insurance, dwelling fire insurance, and other options to help people protect their residential properties in areas prone to natural disasters.

What Insurance Policies Does Southern Fidelity Insurance Offer?

Among the insurance policies offered at Southern Fidelity Insurance are the aforementioned homeowners insurance, dwelling fire insurance, and their identity theft protection coverage policy. Regardless of the type of policy, you’re looking for, you can get an online quote here.

Their Homeowners Insurance policy helps protect homes in the case of damage from storms and/or other natural disasters. They also have a Renters Insurance policy for renters who need protection for their belongings, in the case of something happening to their building. Their Condominium Owners Insurance Policy, much like their homeowners policy, protects condo owners if something happens to their property.

Their Identity Theft Protection Coverage helps protect policyholders in the event of someone stealing their identity. And, in case a policyholder wants to ensure any of their home equipment, Southern Fidelity Insurance also has an Equipment Breakdown Coverage just for that.

When Can I Get in Contact With Southern Fidelity Insurance? Are They Open After Hours?

Southern Fidelity Insurance is open during normal business hours throughout the working week. They also provide additional after-hours services to help customers in the case of a sudden emergency. You can get a quote online at any time at

Customers of Southern Fidelity Insurance can always call their customer service representatives to request more information about their services or seek help for their insurance needs. If you need to manage your insurance information and/or bills, you can always access that particular information via the website.

Should I Choose Southern Fidelity Insurance for My Insurance Needs?

That depends if you need the type of insurance that Southern Fidelity Insurance provides for their customers. Southern Fidelity Insurances employs staff that’s there to help potential customers evaluate what they may need for insurance coverage. If you’re willing to work with Southern Fidelity Insurance, you’ll be able to get what you need out of the insurance they may provide.

Comments Off on Answering Questions About Southern Fidelity Insurance

The Different Types of FL Auto Insurance

Just like in about every other state, you can’t legally get behind the wheel of your car unless you have the necessary auto insurance. Otherwise, people could cause damage to other cars or even the drivers themselves and have no way of making things right. However, don’t make the mistake of thinking all FL auto insurance is the same. There are a number of different categories and unless you know which you need, you’ll be in for a rude awakening if anything happens.

Not Having Full Coverage

The majority of people in FL know they need auto insurance. Sadly, most of them don’t know the difference between having the minimal amount of FL auto insurance necessary and being “fully covered.” So when they get in an accident, they erroneously believe their insurance will pay them in full. It’s only then that, unfortunately, they realize how little they were actually covered for.

Don’t make this mistake. Below are some of the most popular and important types of coverage you need. Visit if you would like to speak to an agent and get a quote.


Obviously, when you think of FL auto insurance, you probably think of protecting your vehicle from collisions. That’s exactly what collision insurance will do. It can’t actually protect your car from another vehicle or a falling tree branch, but it will provide you financial help to fix the problem.

Generally speaking, there are two different types of collision insurance though. One covers your vehicle should the aforementioned damage occur. The other covers your vehicle if it gets completely destroyed and you need a new one. Know the difference or prepare for a big disappointment.

Property Damage

You also need FL auto insurance to cover the other person’s car if you get into an accident. Plus, it’s possible you could accidentally strike a storefront, home, or other forms of property with your car too. In any of these scenarios, you’re responsible for helping to cover this damage.

In FL, all you need is a $10,000 policy to legally drive your car. Unfortunately, this has proven to be woefully inadequate in real-life examples. So, if your finances allow, consider adding to that amount.

Comprehensive Coverage

With so many things that can go wrong, you really need to drill down to just about every scenario in order to ensure you’ll have the help you need for each one. That’s why there’s comprehensive coverage. You could be driving along and run into a wild animal making a run across the street. The above forms of FL auto insurance from wouldn’t cover you there. In fact, even something like a branch falling on your windshield often won’t get covered by collision insurance. This is why so many people opt for comprehensive coverage that really covers all their bases.

Personal Injury Protection

As with property damage insurance, you need at least $10,000 worth of personal injury protection to drive a vehicle in FL. The state is also one of only 12 that has a no-fault policy. This means the insurance policy holder’s coverage will apply no matter who’s at fault.

Additional Coverage

There are a number of other potential events you can get insurance for. One of these is if you ever get a rental car, for example. That’s just one of many though. So review any additional options providers may have to make sure you don’t need them. While you don’t want to pay for unnecessary coverage, you also don’t want to be without coverage you truly need.

Everyone must have FL auto insurance to operate their car legally according to However, that doesn’t mean everyone needs the exact same kind. So shop around to find the type best suited for your needs and budget.

Comments Off on The Different Types of FL Auto Insurance
Categories: Auto Insurance