Real Estate Today: Best Homeowners Insurance in Florida (Part 2 of 3) - Koolik Group Realty Video
www.koolik.com In this episode of Real Estate Today with Elliot Koolik of Koolik Group Realty, we will join Lisa Pacillo, President of All Risk Insurance Group and licensed insurance broker, in deciding how to choose the best homeowners insurance policy in Florida. Lisa will explain Citizens homeowners insurance in Florida and how it compares to private insurance companies. Citizens homeowners insurance can not deny anyone in Florida but is largely a last resort insurer. Independent agents and brokers can offer more options if you are purchasing a home or changing insurance companies because of dropped coverage or increased premiums. Premiums can be reduced by increasing deductibles. For damages caused by anything other than a hurricane, such as a pipe breaking or roof collapse, there is the all other peril deductible, which can be set at $500, $1000 or $2500. Hurricane deductibles are set at 2%, 5% and 10% of the dwelling amount. There are also discounts available for homes with storm shutters, roof mitigation certificates, alarm systems, homes in gated communities and condos with central sprinkler systems.
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