ONE Sotheby's Int'l Realty
Hector Zapata PA, ONE Sotheby's Int'l RealtyPhone: (754) 244-2687
Email: [email protected]

Your Guide To Home Insurance In Florida

by Hector Zapata PA 08/22/2019

Every Florida homeowner knows that they need home insurance, but the details can be foggy. Home insurance protects your investment in your home and your possessions. Your mortgage company will expect that you purchase home insurance before you’re even able to secure a loan. Your home has a fair value. That’s the number amount in coverage that you’ll need for your home loan. This value is determined based on the price that you bought the home for. 

Policies Differ Greatly

You’ll need to look at your home insurance policy very carefully. The terms can vary based on the company, the area you live in, and how much coverage you choose. Many plans will only cover the exterior or the interior of your home. Certain types of natural disasters like floods or earthquakes may also require add-ons to the policy. Most policies include the following:




Damage from lightning

Damage from hurricanes

Tree damage

If your property does suffer a loss, your insurance company will first give you an estimate of the damage. Then, they’ll pay you so you can get the damage fixed. Your insurance company can even recommend certain professionals to you for the repairs to be made. In extenuating circumstances, your property may need to be rebuilt entirely.

Insurance Doesn’t Cover Everything

There are certain things that your home insurance won’t cover. Living in Florida, you may want to take a closer look at your policy. While your home insurance may cover damage caused by a hurricane, it won’t cover flooding or water damage. You may need to add things to your home insurance policy to cover yourself. Keep in mind that home insurance doesn't usually include routine home maintenance.  

The Interior Of Your Home

Your home insurance will cover most of the contents of your home. These items include furniture, electronics, clothing, appliances, and other belongings. If your dishwasher breaks, you can’t call your insurance company, but if a tree falls on your home and your dishwasher is affected, your insurance company can certainly help you out.   

Each Policy Covers Something Different

You may be surprised at what your home insurance policy does cover. Your insurance may include things that aren’t in your home. If your diamond tennis bracelet is stolen while you’re on vacation, you can call your home insurance company even if the item wasn't in your home at the time. Depending on the type of policy you have you may have partial coverage for many of your more expensive possessions no matter where you take them. 

About the Author

Hector Zapata PA

Hector was born in Colombia, and has called South Florida home for 18 years. He is an Industrial Engineer by trade specialized in Cost Control, Production Planning, and Plant Design. Prior to moving to South Florida, Hector worked for 13 years as a Plant and General Manager in the Graphics and Publishing Industries in Bogota, Colombia. When Hector moved to the United States in 2001, he decided to become a PGA Golf Pro, and created his own business in the Golf Industry as a competitive player, and teaching pro. He was the founder and director of Bonaventure Golf Academy for ten years. In his nearly 15 years of experience as a Golf professional and Instructor in South Florida, he has been asked by many customers looking to purchase a home on a golf course his opinion about the best Golf Communities in South Florida. He became a full time realtor in order to better serve his customers, and help them as well as all golf enthusiasts find the home of their dreams. Hector is highly recognized for his personalized service, ethics and professionalism in the Golf industry, and his goal is to provide extraordinary service to his Real Estate customers and friends too! Hector is specializing in Golf communities and Luxury properties in South Florida. 

Why Choose Me As Your Agent? When you work with me, you will receive a knowledgeable and professional real estate agent, a committed ally to negotiate on your behalf, the systems in place to streamline buying your home and the backing of a trusted company. Why work with A ONE Sotheby's Agent? Looking to sell your home? As a real estate associate of ONE Sotheby's International Realty, you will now have access to over 22,000 associates and presence in more than 70 countries across the world to help you sell your property. With our technology, we are leading the way in how homes are sold and purchased through online marketing. Through our ONE Site, your listing will display on top name sites like Zillow, Trulia and to get you the most brand exposure to your home. Looking to purchase a home? With our ONE Sotheby's Technology and advanced websites, searching for properties that are active on the mls is a breeze. Now you can search 24/7, save properties to your profile to view later and schedule showings with me so you can see these properties in person. My job is to make the real estate buying process that much simpler and as a real estate associate of ONE Sotheby's International Realty, we are doing just that. Our company prides ourselves in staying on the cutting edge of technology and if you select me as your real estate agent, you will receive all of this and more. You could never find a more dedicated, energetic, or focused agent to represent you. Please give me a call for a no-obligation assessment of your needs!