Finding The Best Home Insurance In Florida

Finding the best home insurance in Florida can be tricky even when you use a broker like There are many options to consider, and choosing an affordable policy that still has adequate coverage for all the risks a homeowner might encounter can be time-consuming and frustrating. There are some risks that can sneak up on homeowners, and surprises that happen after an accident or injury are maddening for people that thought they had enough insurance. Backyard trampolines are an example of an item that a homeowner might overlook when shopping for the best home insurance in Florida, only to find out that a fun recreational toy carries a big potential liability.

Simple Toy, Big Risk

Trampolines can seem like a very simple device to carry such a big risk. Trampolines are a simple machine, just a fabric mat strung on a metal frame, using coil springs to make them bouncy, and usually the play surface is only a few feet off the ground. This simplicity can mask a big liability. If a member of your family is hurt while using a trampoline, you might be surprised to find out that their injuries aren’t covered in the same way they would be if they fell down a stairs, for instance. And if a neighbor injures themselves on your trampoline, you might be shocked at the amount of liability involved, and how often homeowner’s insurance refuses to pay any claim due to injuries suffered on a trampoline.

Look Out For Small Print

Because of the amount of personal injury claims made, and the size of jury awards for people hurt on trampolines, most Florida homeowners insurance companies simply exclude trampolines from every policy. That’s why it’s important to read all the fine print on any insurance policy. Insurers try to keep prices competitive by excluding risks they think are too high for the money they’d have to charge to fully cover them, and trampolines are one of many items they consider uninsurable.

Beware Self-Insuring Your Trampoline

Many homeowners are aware of their insurance company’s exclusion of trampolines, but still decide to allow their children to enjoy them anyway. They figure that if they take responsibility for their own children, any liability they might incur will be limited. That can be a big mistake. A trampoline is what insurers and law enforcement call an attractive nuisance. An attractive nuisance means that a homeowner should expect to be held liable for injuries caused by any object on their property that is likely to attract children or other people who are not able to appreciate the risk that the object can pose. Like swimming pools, you’ll be expected to make a trampoline completely off-limits to anyone who could be injured by it, which is difficult to do.

Trampoline Injuries Aren’t The Only Risk You’re Taking

People that own a trampoline that’s excluded from their policy might think they’re safe as long as no one is injured while jumping on it. That’s not the full extent of liability that a trampoline owner might encounter. If the trampoline isn’t properly anchored to the ground, a windstorm can send a trampoline airborne, and any damage or injury it causes on your property or on anyone else’s property won’t be covered by your policy.

About auto insurance companies in Florida

While Florida might require all vehicle operators (standard and commercial) to purchase minimum coverage insurance, they are also blessed with lots of options to choose from with regards to pricing.  Needless to say, you can be on the road legally with $10, 000 of property damage liability coverage along with a duplicate amount devoted to personal injury.  What this essentially means is that there are a lot of auto insurance companies in Florida like, offering competitive rates, which in turn means that policy holders tend to receive increasingly better rates.


Evaluate your needs and then choose a policy

Ideally, you should already know exactly what you’re after, especially if you’ve purchased insurance in Florida before, but new drivers might be left in the dark, as they say.  Costs are calculated from numerous factors including a driver’s age, record, as well as what kind of vehicle they actually drive / own.  It’s difficult to say whether or not advertised rates are going to apply to you, but that’s not generally a problem either because all the reputable auto insurance companies in Florida have sites which let you instantly explore costs.  Moreover, it is recommended that you actually try to speak to a representative on the phone as they will be able to do a lot of the work for you, then it’s only a matter of jotting down the specifics so you can compare and contrast later.


If you’re not going to be looking for minimums alone then lots of additional homework is going to be needed.  For instance, assuming that you might need comprehensive, collision or higher ceiling rates for liability purposes, proposed rates can vary widely.  Again, this will require a cross-reference with your personal information too.


Get as many quotes as you can

You should always start out by finding as many quote as humanly possible.  Typically speaking, this only involves jotting down or recording information in a notebook, but if you can try to create a basic table on your computer / device.  The benefit of going digital here is that you can later send it to additional people, like family members who might be covered.  Once you’ve rounded up a generous helping of quotes, sit down and sort through it all carefully weighing the pros and cons of each, in addition to looking at the actual prices, of course.


There are many providers of Florida commercial auto insurance, many of them currently handling a lion’s share of drivers within that particular state.  Just something to consider – it’s a good idea to go with a more well-known / reputable company (for numerous reasons) even if they might charge a bit more over start-ups, etc.   This makes it much less likely that your claim will ultimately be denied too as they tend to have more extensive financing as well as a reputation to consider. You can easily compare all of them at

Best Life Insurance – Florida

How to choose the best life insurance in Florida

Once you have decided that life insurance is an important part of providing for your loved ones after you pass, you face the task of figuring out which policy is best for your needs.  When you are trying to choose the best life insurance Florida for your needs, here are some things to keep in mind.

Do Your Research

Everyone hates doing research, but it is an important part of choosing life insurance.  You need to determine the financial health of the companies you are considering to make sure that it will be able to pay out on its future obligations.  While it may seem obvious that the larger companies are the best option, just remember that smaller companies can do just as well.

You will also want to see if there have been any complaints lodged against the company.  If you come across a company that has several complaints due to non-payment or sneaky practices, you should probably skip that company and look for another one.

Professional Assistance

Choosing the best life insurance Florida can be confusing, so you should always work with a professional when purchasing your policy.  Insurance professionals have a complete working knowledge of the options available, and will be able to walk you through the pros and cons of each policy type.  They will also help you determine how much coverage you need, and the best options for doing so.

Determine the Right Amount of Coverage

When purchasing life insurance, you want to make sure that you purchase the correct amount for your family’s future needs.  There are many considerations that go into choosing a policy amount, and most people do not realize just how much they will need to provide for loved ones.  You will need to consider how much your family relies on your current income, their future financial needs, such as college tuition and mortgage payments, and the cost of your funeral expenses.  There are many different calculators available online that will help you choose the best life insurance Florida amount for you, without the added stress of an agent trying to force you to buy more.

Understand the Options Available

Another important consideration when choosing the best life insurance Florida is understanding the different options available.  Take the time to gain a better understanding of whole life, term, universal, and variable insurance policies so that you can make an educated decision on the type that you choose.  Each one may work best for different situations, so you should not rely solely on someone else’s recommendation.

It is important to understand that the best life insurance Florida for you is the one that best meets your current needs, as well as your loved ones’ future ones.  No one likes to consider his or her own death, but the reality is that it can, and does happen at any time.  Planning for that eventuality now will help relieve the financial stress on your family later. For more info visit :