As a Florida homeowners insurance company, Southern Oak Insurance strives to do everything possible to help customers preserve the value of their property. For local homes, a large part of this effort is spent helping people keep their roofs in good shape. While typical homeowners insurance coverages include insurance for roofs, it is important to find a roofing contractor who offers a good value by providing quality work and a fair price.

In 2002, Florida created Citizens Property Insurance as a non-profit, government entity that would cover high-risk properties that private insurers declined. This property could be homes, businesses, and other types of structures that private insurers deemed too risky. While this coverage is mainly funded by premiums, during times of disasters, fund shortages might be funded by an assessment against most Florida property holders and not just property owners covered by the high-risk insurer. This keeps the cost of high-risk coverage lower, but it costs all Floridians money after a disaster.

In some parts of this state, homeowners insurance is both necessary and expensive. As a Florida homeowners insurance company, the people at Southern Oak would like to let local homeowners know about some practical ways to protect homes and qualify for homeowners insurance credits or discounts. In some cases, these discounts could even be large enough to help pay for improvements over time, and they will certainly be worthwhile if they help prevent damage and high insurance claims.

Understanding homeowners insurance in this state takes some effort, and that's why independent insurance agents work to serve their clients by answering questions and providing competitive home insurance quotes. But homeowners need to take responsibility for their choices, and that is why we suggest these seven questions to ask about Florida homeowners insurance.

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.