A Florida home owner insurance quotes

Florida Home Owner Insurance

Florida home owner insurance is usually expensive, and one of the main reasons for this is the weather conditions, especially the relatively frequent occurrence of hurricanes. With a few simple precautions, homeowners and car owners can increase their chances for safety, and reduce their Florida home owner insurance premium in the bargain.

Before a storm:

• Check the condition of the roof.
  


• Repair or replace loose shutters, eaves troughs and downspouts.
  


• Make sure downspouts direct rainwater at least three feet from the house.
  


• Trim dead branches off trees.
  


• Test the operation of the sump pump.
  


• Seal any cracks in basement walls.
  


• Clean out basement window wells of debris that may prevent proper drainage.
  


• Fill above-ground pools with water so that high winds won't blow in the sides.
  


• Replace glass storm doors with screens.
  


• Unplug all electrical appliances during storms.
  


• Use surge protectors on computers. Unplug electrical equipment during storms or before leaving for vacation.
  


• Secure patio furniture or store it in the garage when storms are predicted.
  


• Tie down mobile homes and arrange for emergency underground shelter.
  


• Keep items off the basement floor and floor drains clear.
  


• Protect your car.
  


• Park the car in the garage or carport, if possible.
  


• In event of hail, cover the vehicle with a tarp or blanket.
  


• Pull off the road during a hailstorm.

Keep these items in your basement:

• Two flashlights (with batteries), extra batteries.
  


• Portable, battery-powered radio.
  


• Bottled water and snack items.
  


• Blankets.
  


• First-aid kit.
  


• Emergency phone numbers.