For Property Owners in Miami and Across Florida

Owning a home is one of the biggest investments you can make. It's a lot of work and money to find, buy and cultivate a home into the perfect respite for you and your family. But when disaster strikes, you want to make sure that respite doesn't turn into a nightmare. Choice One Insurance is committed to protecting your assets and your future with comprehensive homeowners insurance.

Common Home Insurance Questions

What is Included in Home Insurance?

A typical homeowners insurance policy may include:

• Liability: This assists when bodily injury or property damage occurs at your home.
• Dwelling: This protects your home and its attached structures.
• Damage caused by fire, windstorms, hail or lightning
• Theft/Vandalism: This protects your home against theft or vandalism.

Note that home insurance often doesn't cover things like floods or earthquakes. You can add additional insurance to cover for these issues. You can also purchase content coverage to protect the items in your house. Home insurance doesn't only extend to homes, either. You can also purchase insurance for your condos or rental.

What is the Average Cost of Home Insurance?

Florida is unfortunately the most expensive state in the US in which to buy home insurance. This is in part due to frequent natural disasters in the area, which raise premiums significantly. The average home insurance rate in Florida is around $1,918 a year. If you're looking for an affordable rate for reliable coverage, call Choice One Insurance at (800) 547-0006 today or fill out an online quote.

How Much is Home Insurance Per Month?

On average, home insurance may cost around $159 a month. Renters insurance is around $12 a month. These numbers also depend on how much coverage you have. Cheaper premiums may mean a bigger bill for you if the insurance doesn't cover damage done by Florida's severe weather.

How Far in Advance Can I Buy Home Insurance?

As soon as you discuss the insurance details with your lender, you can purchase home insurance for your new house. Ideally, you should purchase home insurance before you close on a home.

How Often Does Homeowners Insurance Go Up?

Some people believe home insurance rates rise every year at random, but this isn't the case. Changes to your home insurance premiums are influenced by a multitude of factors, such as changes in your credit or property, claims and inflation.

Insure Your Home With Choice One Insurance

Home insurance doesn't have to be a hassle. Choice One Insurance has an amazing staff ready to find the best policy to keep your home and its contents safe and worry-free. Call us now at (800) 547-0006 or drop by our office today.