It is easy enough to ask independent insurance agents for multiple home insurance quotes. However, besides comparing permiums, it is also important to consider other elements about any Florida homeowners insurance company that might be competing for your business. Understanding homeowners insurance is about more than just comparing prices.  Here are 3 other important factors to consider while you shop.

Even when perils are covered by your home insurance, policies have limits. That means it is very important to make sure you have high enough limits for your building, structures, personal property, and especially, liability. Consider some typical limits for Florida homeowners insurance policies.

Called perils, hazards, or threats, most Florida homeowners insurance policies either specifically include or exclude certain kinds of risks. One of the most important keys to understanding homeowners insurance is understanding what risks are or are not covered. The right time to find out is today, and the wrong time to learn about included and excluded perils is after you have to make a claim against your policy.

Understanding homeowners insurance means that you should focus on the type of Florida homeowners insurance that you need. There are four basic kinds of home policies, and the right choice depends upon the kind of dwelling that you live in.

The key to understanding Florida homeowners insurance is to understand that basic home policies provide a package of insurance protection for your home with different kinds of coverage inside. These are the different types of insurance to look for inside of your home insurance policy.

Who needs home insurance? For most families, a home is their most valuable asset. Understanding homeowners insurance is the first step towards protecting it.

November ushers in Thanksgiving, but it also means the beginning of the five months during which the most home fires occur according to Electrical Safety Foundation International. Thanksgiving, Christmas and Christmas Eve statistically see the most fires, and many of these fires plus other accidents happen in the kitchen while you're cooking up a storm.

According to travel experts at AAA, 94.5 million people will travel away from home this Thanksgiving, leaving millions of homes susceptible to thieves. While you shouldn't skip the holiday festivities or miss out on Mom's pumpkin pie this year, you can take a few simple steps to safeguard your home while you're away. 

This holiday season, millions of homeowners will welcome guests for overnight and extended visits.  Young and elderly visitors require lots of extra consideration to keep them safe and many hazards can be easily overlooked.  

It's no secret that food poisoning incidents spike during the holidays. But that doesn't mean your family should be one of those statistics this season.  Keep these tips in mind for happy holiday dining.