Finding the Best Homeowner’s Insurance Coverage in Jacksonville, FL

Your home isn’t just your castle – it’s also your family’s most valuable asset. A home can be a vital source of retirement income (through a sale or rental income), or it could be a treasured way of passing on your legacy to your children and grandchildren.

But unless you have the best homeowner’s insurance coverage, you’re putting your home – and your family’s future – at risk.  Even if you have barebones coverage, your insurance company might not cover your home for everything that could happen.  With so many floods, hurricanes, and other hazards in Jacksonville, FL, it’s more important than ever for homeowners to stay protected.

Fortunately, you can avoid the mistake of having inadequate coverage – and you can do it all without breaking the bank.  Here’s how to find the best homeowner’s insurance coverage in Jacksonville, FL:

  • We can’t repeat this enough: most standard homeowner’s coverage doesn’t include flood insurance.  Unfortunately, that tends to be one of the biggest hazards in Jacksonville, FL – especially during hurricane season.  It’s vital to keep your home protected from flood damage with insurance, as it can help you repair and replace anything lost during flooding.

Most Americans don’t have flood insurance in their homeowner’s insurance coverage (in fact, only 13% of people have flood coverage), so check your policy to see where your home stands.  If you don’t have flood coverage, add it – pronto!

  • Document all the valuables in your home and provide it to your homeowner insurance company.  If your valuables are lost or damaged during a storm – or worse, during a robbery – you’ll need this documentation to recoup your financial losses.  If you have heirlooms, get them appraised so you can show receipts in case something happens to them.
  • Make sure you’re insured against hazards that are local to Jacksonville, FL.  For example, we’re not just a magnet for hurricanes – Jacksonville also encounters plenty of sinkholes.  Check your coverage to see if your home is protected against these damages; if not, see how much it costs to add it to your existing policy.
  • Understand the costs of replacing certain items in your home, and how your policy will reimburse you for any damages.  For example, if your home’s roof would cost $30,000 to replace altogether, your insurance company might not pay that outright.  Instead, they’ll only pay you based on the depreciated value of the roof.

If finding the best homeowner’s insurance coverage in Jacksonville, FL sounds complicated, it doesn’t have to be.  HIG Insurance Group is a full service Florida insurance agency, providing the best – and most affordable – coverage for auto insurance, homeowner’s insurance, life insurance, and more.

Discover what it means to have the best homeowner’s insurance coverage in Jacksonville, FL at

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