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The Benefits of All-In-One Homeowners Coverage in Florida

The Benefits of All-In-One Homeowners Coverage in Florida

The property insurance market in Florida is currently in free fall. Insurers are withdrawing from the state, others are only providing limited coverage to homeowners, while homeowners themselves are experiencing unprecedented rate increases.

The unfortunate reality is that many property owners in Florida are struggling to get proper coverage on their homeowner’s policy. When a storm hits, homeowners are often battling with insurers about what’s covered and what isn’t.

If you are looking for quality Florida homeowners insurance, then XINSURANCE is your premier choice in finding a solution. We provide all-in-one homeowners coverage solutions that includes wind, floods, mudslides, and more, all under one policy.

In this blog post, we will highlight everything you need to know about our specialty homeowners insurance. This includes who benefits the most from our custom policies, examples of high-risk circumstances, the impact of hurricanes and storms in Florida, and much more. Let’s get started.

What Is Specialty Homeowners Insurance?

Also known as non-standard homeowners insurance, our specialty homeowners insurance exists for scenarios where homeowners face an insurance risk that can’t or won’t be covered by a standard homeowners policy. It’s also there for homeowners who need a higher policy limit than what has been offered with their coverage.

Here at XINSURANCE, we provide customized insurance solutions for such scenarios as well as other cases where a homeowner may not be able to receive proper coverage from a standard policy.

Depending on the specific case and the homeowner, homeowners’ policies may be used in addition to a standard policy, offering gap coverage and greater overall protection. They also are written as a singular, comprehensive source of coverage.

If a standard policy does not provide sufficient coverage for your property, an all-in-one homeowners policy from XINSURANCE may be the best fit for you.

Who Benefits Most From Custom Policies?

If you are looking for true peace of mind with your insurance policy, our Florida homeowners insurance solutions is the way to go. Many other policies from other insurers impose numerous exclusions and/or very low limits, which renders them ineffective.

There are a number of scenarios where homeowners may benefit from XINSURANCE. These include people who own high-value homes, luxury vehicles, and luxury items/high-value assets. Furthermore, homeowners with security protection and homes in high-risk areas may also benefit. People who live in coastal areas like Florida and California would also greatly benefit from the homeowners insurance solutions that XINSURANCE can offer.

The point of all-in-one homeowners coverage is that it isn’t an average insurance policy. Our flexible underwriting allows us to provide tailored coverage for risks that many other insurance companies look to avoid. This includes a number of natural disasters such as:

  • Hurricanes
  • Floods
  • Earthquakes
  • Wildfires
  • Mudslides
  • And more

Below, we will highlight the impact of hurricanes, flooding, and storms on Florida and how it affects homeowners in the state. The bottom line is that if you live in a high-risk area, somewhere where natural disasters or home damages are more likely to occur (i.e. Florida), it makes sense to have an insurance policy that fits the bill.

Impact of Hurricanes and Storms in Florida

Here comes the story of the hurricane—something property owners in Florida know about all too well. The threat of hurricanes in Florida is very real, particularly during the six-month-long season that runs from early June to late November. This season occurs when the waters in the Gulf of Mexico and the equatorial Atlantic warm up enough to support the development of tropical waves.

It is an unfortunate reality that every part of Florida is at risk from hurricanes. The southeast coastline, especially, is susceptible to a land-falling hurricane.

Last September, Hurricane Ian caused substantial damage in Florida as well as other areas. A Category 4 Atlantic hurricane, it was the state’s deadliest hurricane since the 1935 Labor Day Hurricane. It is estimated that the storm caused between $50 billion and $65 billion in insured damages in the US.

As noted in the introduction, Florida faces a slew of insurance problems, only heightened since the arrival of Hurricane Ian. If you are concerned about the impact of hurricanes and other natural disasters, it is worth considering the value of all-in-one homeowners insurance from XINSURANCE.

Why Partner With XINSURANCE?

Florida Homeowners (and homeowners all over the country) partner with us because we provide insurance solutions that other providers can’t or won’t. That’s what our all-in-one homeowners insurance is all about. While many other insurers’ standard policies fall short, our policies are different. Our policies come with:

  • Tailored coverage
  • Larger limits
  • Negotiated deductibles
  • Endorsements

We’re also far more hands-on than other insurance brokers. We see ourselves as a partner as well as an insurance broker. We’re here to provide support, solutions, and a strong defense when the unexpected occurs (as it often does in Florida).

We have expertise in specialty insurance solutions across a range of industries. We provide solutions for:

  • High-value homes
  • Coastal homes
  • Multi-unit property owners
  • Mobile home park owners
  • Condominium owners
  • And more

Put simply, we’re the team you can trust in Florida.

Get Quality Florida Homeowners Insurance

With all-in-one homeowners coverage from XINSURANCE, you can go beyond the standard homeowners insurance offered by other insurance brokers. With our homeowners insurance solutions, we provide effective options for coverage based on the unique characteristics of your home.

We were founded on the belief that no one should ever have to fear of being under-covered. Contact our expert team today for customized liability insurance solutions that cover gaps in traditional coverage.

Click here to learn more about how to get comprehensive Florida homeowners insurance. You can also reach us at 877-585-2853 and info@xinsurance.com. We look forward to speaking with you.

Related Articles

Check out these recent articles that expand on the current situation of Florida’s property insurance market:

High costs force some homeowners to choose: Drop insurance, sell or leave Florida
Fla. lawmakers force homeowners to buy flood insurance
Florida Homeowners Will Likely Continue to Face Challenging Property Insurance Market in 2023
Fixing Florida property insurance mess a slow process

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