What Should I Do if My Florida Homeowners Insurance Company Drops Me?

According to the US Census Bureau, just over 63% of Americans own homes in this country. In addition, a lot of these homeowners find tracking down and getting quality homeowners insurance anything but simple or straightforward. Let’s discuss what you should if your Florida homeowners insurance company drops you.

Even here in Florida, finding the right Florida homeowners insurance company can be a real uphill battle according to https://floridainsurancequotes.net/florida-homeowners-insurance/. This is not necessarily because there are so few great options to take advantage of but because there are so many. Combine that with all the crazy storms and conditions that make Florida homeowners insurance unique compared to the rest of the country. You will then realize why it’s such a challenge.

This is what makes getting dropped from a homeowners insurance company such a jarring experience. If you find yourself in this situation you need to get new homeowners insurance ASAP. That’s what this quick guide is designed to help you with.

Find Out Why You Were Dropped in the First Place

There can be any different number of reasons you find yourself dropped from your Florida homeowners insurance policy. Many of them have absolutely nothing whatsoever to do with missing payments or being late with payments. In fact, hundreds of thousands of Florida homeowners will find themselves dropped from their insurance after NEVER missing a payment or even being late.

You can be dropped for:

  • Roof damage/Old roof construction
  • Multiple claims filed in a short amount of time
  • Living in a high risk area
  • Having bad credit history

Unfortunately, https://floridainsurancequotes.net/florida-homeowners-insurance/ says, that’s just the tip of the iceberg when it comes to being dropped. The important thing is to figure out exactly why you have been dropped from your homeowners insurance so that you know what needs to be remedied before you go on the hunt for a new Florida homeowners insurance company to do business with.

Finding a New Company to Work With

By law, a Florida homeowners insurance company is required to notify homeowners in advance if they plan to drop them from their policy. This window is going to give you at least a bit of time to search for a new company. That way you can take the necessary corrective actions so that you don’t have to worry about your new insurance company kicking you off of their policy later down the line.

After identifying the factor it’s important to start searching for companies that either aren’t going to consider these issues or are willing to look past the situation. In order to bring you on board as a customer. Insurance is a super competitive industry, so you shouldn’t have any trouble finding someone more than willing to take you on as a customer. No matter why you were dropped in the past as long as the issue has now been rectified.

What Are the Minimum Requirements for Florida Auto Insurance?

If you are going to own and operate a vehicle in the Sunshine State you are going to have to purchase Florida auto insurance. However, that shouldn’t come as a surprise to anyone as all 50 states in the US require you to have auto insurance for a vehicle. A vehicle that’s going to be driven on the open road.

According to state law, if you own any vehicle with at least four wheels and intend to register it for operation on Florida roads you have to have a minimum level of insurance to be legally allowed to do so. The minimum level of insurance necessary includes $10,000 of personal injury protection and $10,000 of property damage liability insurance. This coverage must be purchased from a Florida auto insurance company from https://floridainsurancequotes.net/florida-auto-insurance/. Which means, as long as you continue to have a valid and active Florida license plate attached to your vehicle.

Now, that doesn’t mean that this is the minimum requirement for auto insurance that you’re going to be able to get away with all the time. If you have a loan out for your vehicle you may have to have even higher minimum requirements of insurance as mandated by your bank or lender.

The overwhelming majority of lenders (even private lenders) are going to require that you protect their investments. That is until you have paid off the loan. You may be required to pay for complete and comprehensive automobile insurance in Florida. This means you’ll have to carry what is called a Comprehensive and Collision policy on your automobile, and you can expect this to exceed the $10,000 personal injury protection and $10,000 of property damage liability insurance we mentioned above.

A lot of this is going to be dictated by a variety of different factors that include:

  • Your age and your sex
  • Your driving history and your credit history
  • The vehicle that you are insuring

A whole host of other factors that come into play. This is why it is so vitally important that you make sure you are always working with the best and the most reputable. That way you can score great Florida auto insurance at https://floridainsurancequotes.net/florida-auto-insurance/.

It’s way too easy to end up being charged a lot more for the same amount of insurance, especially minimum levels of insurance, than you would have and end up spending with another company. Do your research and due diligence while you are shopping around for automobile insurance in Florida, and you’ll have nothing to worry about!

The Importance of Cheap Florida Insurance Quotes

Florida boasts some of the highest insurance rates compared to the rest of the US. In fact, FL is a high-risk state. Simply put, this state has increased chances of natural disasters. May it be hurricanes, tornadoes, high winds, etc. Florida is mostly well known for hurricane-related damages. In fact, companies pay out billions of dollars’ worth of claims each year.

Whether it be home, auto, health, or any other insurance type you’re definitely going to need coverage at some point.  How you go about obtaining coverage really makes a huge difference. In fact, there are so many options when it comes to collecting an insurance quote in Florida.

How to Collect Quotes

Many shoppers just blindly search the web, trying to find quotes and information about policies. That method is very commonly used, but how effective is it really? Furthermore, who wants to waste time manually looking over companies and collecting quotes one by one? Manually shopping for coverage is just way too consuming. You could easily spend hours scouring the web, reviewing companies, looking over policies, and collecting a Florida insurance quote. What if there was an easier way to go about shopping? Luckily, as a Florida resident, you have access to Florida’s #1 insurance website! It’s strongly recommended that you collect a Florida insurance quote from FloridaInsuranceQuotes.net. That’s the first step to finding the coverage you’ve always wanted to have!

Not only can you receive multiple quotes from all major companies, but you will also be matched with the best company for your unique needs and budget. In addition, they are partnered up with multiple companies. As a result, they can provide some of the cheapest insurance prices around. They really do all the work for you. Why struggle and search the web for hours when you can review everything you need there? Collecting the best quotes has never been easier!

How Do I Begin With Quotes?

It’s actually quite easy to collect a Florida insurance quote from FloridaInsuranceQuotes.net. If you are looking to collect only the best quotes for residents of the Sunshine State, then this website is perfect for you. Remember, that you will need to provide certain information in order to receive your quote. However, with the right information at the ready, you can receive a quote in seconds!

Once you have finished reviewing the site. You can fill out the form located to your right. Once you fill out the form, you will then be able to receive a Florida insurance quote. Multiple quotes are their specialty, and so is finding the best deals out there for their customers. Get started today!