There are so many reasons to fall in love with South Florida. From the white sandy beaches that cover the coast to the vibrant street art of Miami, there’s never a shortage of ways to explore The Sunshine State. And while South Florida is a beautiful place to visit, it’s even better when you can call it your home.
At NSI Insurance, we offer home insurance in Kendall, FL, to help protect your most valuable assets. Here’s what you need to know to find the best coverage for your home in The Sunshine State.
Average Home Insurance Cost in Florida
Homeowners insurance in Kendall and other Florida cities is often more expensive than in other parts of the country. These higher premiums are mainly due to the frequency of hurricanes, tropical storms, and other natural disasters. On average, the cost of home insurance in Florida is $4,218 compared to the national average of $2,777.
As the risk of hurricane damage is much higher in Florida than in other states, homeowners insurance premiums are higher to compensate for the increased risk carriers take when insuring a home. This is exacerbated by the fact that hurricanes typically cause damage to large areas, meaning insurance providers usually receive a large number of claims all at once, which can be very costly for carriers.
However, there are still plenty of ways to save money on your monthly premium. You can find high-quality home insurance coverage by comparing quotes, searching for discounts, bundling your insurance policies, and adjusting your coverage without breaking the bank. For example, working with an independent insurance agency, like NSI Insurance, can help you save time and money by offering free quotes from multiple carriers, all in one place.
What Does Home Insurance in Kendall Cover?
Homeowners insurance in Kendall includes several coverages that can help protect your property and personal belongings against hazards like theft, vandalism, hurricanes, and fires. Homeowners insurance typically covers the following:
Dwelling coverage: Pays for damages to your home’s primary structure.
Other structures coverage: Pays for damages to detached structures, including sheds, detached garages, or guest houses.
Personal property coverage: Pays to replace or repair personal belongings, including furniture, electronics, clothing, and appliances.
Additional living expenses (ALE) coverage: Pays for other living expenses you may incur while your home is being rebuilt after it is damaged or destroyed by a covered hazard.
Liability coverage: pays for damages that arise if someone is hurt while on your property. This can include court costs, lawyer fees, and settlements.
These are the standard coverages included in most home insurance policies, and depending on your needs, you can customize your coverage limits to ensure you are protected against covered perils. You may also add optional endorsements, such as water backup coverage, to protect against other risks not included in your home insurance policy.
What Isn’t Covered by Home Insurance in FL?
Perils generally not covered by home insurance include floods, earthquakes, sewer backups, and damage caused by a lack of maintenance. One thing that surprises many new homeowners is that hurricane damage is often not covered. Therefore, adding hurricane coverage to your policy is a wise choice.
While hurricanes aren’t generally considered a covered or excluded peril, the aftermath from the storm —such as wind and flooding—are. So for homeowners in Kendall, it’s wise to consider bundling hurricane coverage with your homeowners insurance policy. The two types of hurricane insurance to consider are wind and flood (storm surge) coverage.
Everything You Need in One Place
At NSI Insurance, an independent insurance agency, we proudly offer comprehensive solutions to protect your home from the unexpected. Here, our independent agents can provide policies from multiple insurance companies to ensure you find the best coverage for the best price. Other coverages that we offer include the following:
What Our Customers Are Saying
It’s one thing to declare yourself as one of the best insurance agencies in Florida, but it’s another thing when you have a track record of success to prove it! Here is what our customers are saying:
My husband and I were recently informed that our Wind Mitigation Insurance Policy was going to be canceled because the company was going out of business. In a panic, we reached out to our agent at NSI Insurance Group to obtain new coverage. Our agent was there beyond the call of duty. She immediately understood the urgency of the situation and leaped into action to get us some quotes and a new policy! She was fast, professional, and a pleasure to work with in obtaining our new policy!! We are grateful and relieved to have her as our agent! – Google Reviews
What a brilliant company. They have been around for 30 years, and it shows. The amount of knowledge of the market gets you the best deals, and the customer service is superb. My agent is always responsive and gets everything done in a timely manner. I have since referred them to numerous friends who were also pleased with the service they received. – Google Reviews
Compare Homeowners Insurance Quotes Today
At NSI Insurance, we know it can be challenging for homeowners in Kendall to find affordable home insurance rates. Here, we believe our clients’ financial security and quality of life deserve the utmost dedication, expert advice, and personal attention from a trusted partner. As your insurance advisor, we are here to help you make informed decisions that protect you from the unexpected.
If you want to reduce your homeowners insurance premium, contact us today to compare quotes from The Sunshine State’s top carriers. Thank you for stopping by our blog; we hope to help you soon!