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Homeowners Insurance Quotes in Wauchula, FL

Sam Self, Agent

863-773-6080

110 W. Orange
Wauchula, FL  33873
Fax : 863-773-9539

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Homeowner's Policy Coverages

A Wauchula Homeowner's Insurance policy is designed to cover the structure of your home, and includes protection for various kinds of Personal Property as well as Liability coverage. Want to know more? Give us a call at 863-773-6080 to speak to a local agent.

Home Insurance Coverage — What Is Covered

Standard home insurance coverage policies provide the following types of coverage, up to the limits outlined in the policies:

  • Dwelling — Pays for damage or destruction to your house and any unattached structures and buildings. Examples include fences, attached garage, or patio cover.
  • Personal Property — Covers the contents of your house, including furniture, clothing and appliances, if they are stolen, damaged, or destroyed.
  • Liability — Protects you against financial loss if you are sued and found legally responsible for someone else's injury or property damage.
  • Medical Payments — Covers medical bills for person(s) injured on your property.
  • Loss of Use — Pays for additional living expenses if your home is uninhabitable due to a covered loss. Most standard Wauchula Homeowner's Insurance policies pay 10% to 20% of the amount of your Dwelling coverage.

Does my policy cover hurricane damage?

Yes, your homeowner’s insurance policy will cover damages cause by windstorms. The deductible for hurricane damage can range from 2% to 10% of the insured value of the dwelling depending on the policy.
NOTE: Hurricane damage is normally covered, but may be rejected in certain situations.

What does the hurricane deductible mean?

This is the amount that you, the policyholder, will have to pay out of pocket. For example, if your home is insured for $250,000 with a 2% wind deductible and has hurricane damages of $50,000.
The amount of the deductible will be 2% X $250,000 = 5,000.

The remaining amount ($45,000) would be paid by the insurance policy. What factors can affect Wauchula Homeowner's Insurance premiums?

Home Features and Characteristics — The age of your home, type of structure, wiring, roof, garage, etc., can affect your Wauchula Homeowner's Insurance premium. Older homes can often cost more to insure, and those costs can differ depending on whether your home is brick, frame, stone or has synthetic siding.

Location — Where your home is located can change your Wauchula Homeowner's Insurance premium. For example, your home insurance rate can be affected if your home is in close to a fire station; is exposed to extreme weather, such as hurricanes, tornadoes or earthquakes; or is in a neighborhood more prone to theft.

Protective Devices — Burglar alarm systems, smoke detectors, fire extinguishers, sprinkler systems and deadbolt locks can lower your Wauchula Homeowner's Insurance premium.

Personal Factors — What you do can affect your Wauchula Homeowner's Insurance premium, too. For instance, smokers may pay more for home insurance than nonsmokers. A good credit history also can lower what you pay for home insurance.

Claims History — If you have a history of claims on a Wauchula Homeowner's Insurance policy, you may pay a higher premium.

Discounts and Special Programs

There are many discounts are available on Wauchula Homeowner's Insurance policies. For example, you may qualify for a discount if your home has an updated roof, a monitored alarm system, hurricane shutters or impact windows in Wauchula.

Payment Options

In many instances your Wauchula Homeowner's Insurance policy can be escrowed in with your mortgage. However, if you need to pay separately, many carriers now offer several convenient payment options.

Does my policy cover floods?

The fact is that Florida homeowner insurance does not cover damage caused by flood, and federal disaster assistance is only offered when the president declares a major disaster (which only happens in 50% of flooding situations).

Unfortunately, most people do not find this out until it is too late. However, flood insurance is available to protect homes and businesses and their contents in communities that participate in the National Flood Insurance Program.

Simply call 863-773-6080 or complete our online quote request form. A GreatFlorida Home Insurance Agent will help you find the best deal for you.

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About Homeowner's Insurance in Wauchula, FL

GreatFlorida Insurance agents can easily explain the specific needs of your home in Wauchula, FL. Along with mortgage requirements and the difference between dwelling, personal property, liability, medical payments and loss of use coverage as well as available discounts.

Get a Free Insurance Quote from your local GreatFlorida Insurance agent. They will help you find the most affordable options.

Your home is likely your most costly asset. It contains your belongings and valuables and more importantly your family and cherished memories.

After the overwhelming task of finding a new home in Wauchula, it can be tempting to settle by purchasing a basic homeowner’s insurance policy that could leave you with inadequate coverage or paying for more coverage than you need.

GreatFlorida Insurance in Wauchula, FL will make sure your homeowner’s insurance policy will provide adequate coverage to protect your home from fires, hurricanes, break-ins and more. Compensation for your financial loss will allow you and your family to continue living comfortably.

Florida Homeowners  Insurance Blog
by GreatFlorida Insurance
12/11/2018

Not everyone on the road this time of year is interested in spreading holiday cheer.

A new study by smartphone app GasBuddy says, individual’s driving habits are 175 percent more aggressive during the holiday season compared to the rest of the year. According to the study, Florida ranks 6 for states with the worst holiday drivers.

Their data also revealed that aggressive driving habits occur most during the beginning of the season, with more instances happening during the drive to the holiday destination, rather than on the return trip.

“People are under a lot of stress during the holidays and tend to lose their patience while driving,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent car insurance agency.

Aggressive driving is considered, hard breaking, speeding and quick accelerating.

A study by the AAA Foundation for Traffic Safety found nearly 80 percent of drivers expressed anger, aggression or road rage behind the wheel at least once in the previous year. They also report, over half of fatal crashes involved at least one driver who performed an aggressive action.

AAA recommends drivers, “Manage your behavior, manage your responses.” Do not be personally offended when you see other drivers doing something illegal or inconsiderate. Many drivers this time of year are rushed or distracted, so try and be forgiving. Also, do not respond or make contact with an aggressive driver looking for a confrontation.

Additionally, AAA reminds drivers, to remain calm and courteous while driving, it lowers your risk of a dicey encounter with another driver.

Their tips for dealing with hostility on the road:

  • Avoid eye contact with angry drivers.
  • Don’t respond to aggression with aggression.
  • If you feel you are at risk, drive to a public place such as a police station, hospital or fire station.
  • When you park, allow room so you can pull out safely if someone approaches you aggressively.
  • Use your horn to attract attention but remain in your locked vehicle.
  • If you are confronted, stay as calm and courteous as possible.
  • If you feel threatened, call 911.

“Florida does not require motorist to carry bodily injury coverage. So, if you are hurt by an aggressive driver who does not carry that coverage, you are responsible for the cost of your medical expenses,” reminds Buck with GreatFlorida Insurance.

Make sure you are properly covered through your auto insurance policy or health insurance plan, call GreatFlorida Insurance today.

The post Aggressive Driving Increases During the Holidays appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
11/28/2018

Floridians can finally enjoy the arrival of dry season. With it brings relief from oppressive heat and humidity along with cold fronts and cooler temperatures.

However, the Florida Forest Service also reminds us, drier days increase the chance for forest fires. So far in this year, 93,000 acres have burned across the state.

“Following fire-safe practices can protect your family and home,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

To keep you and your home safe during these drier days, below are some tips.

Clear out dry vegetation-get ride of pine needles, dry leaves, dead palm fronds, dead sticks and twigs in your yard.

Don’t forget the roof-remove dry vegetation from the roof and clear out your gutters. Eliminate any overhang from trees as well. Cut any tree branches within 10 feet of your roof.

Mowing-cut dry weeds and grass before noon when temperatures are cooler.

Pick-up-keep woodpiles, propane tanks and combustible materials away from your home, garage or shed.

Water!

“To take your home protection a step further, the Florida Forest Service recommends creating a defensible space around your home,” says Ellsworth Buck, Vice President of, GreatFlorida Insurance Florida’s top independent homeowners insurance agency.

A defensible space, is Fire Wise landscaping. It increases the likelihood that your home will survive a wildfire even in the absence of firefighters. The U.S. Forest Service explains, Fire Wise landscaping is designed to minimize the spreading of a forest fire.

Your yard is split in four zones. Each zone represents a certain amount of space that extends from your home.

Zone 1, 0-30 ft. “defensible space”-plant nothing flammable against your home.

Zone 2, 30-60 ft. “fuel reduction”-use raised beds, stone walkways and patios.

Zone 3, 60-100 ft. “transition zone”-driveways within this zone provide a break.

Zone 4, 100 ft. + “perimeter zone”-even at a distance, it is important to maintain vegetation.

GreatFlorida Insurance offers homeowners insurance to fit your budget and your needs. Give us a call or go online for a quote today.

The post Preparing for Dry Season appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
11/20/2018

Tuesday, November 27, marks the seventh year of #Giving Tuesday. #Giving Tuesday kicks off the charitable season, when many focus on their holiday and end-of-year giving. It is a day to celebrate and encourage donations and volunteer activities that support charities and non-profit organizations.

“Getting involved with a charity in your community is a valuable investment,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

The #Giving Tuesday website provides a directory to help you find charities and events in your community participating. Actually, thousands of organizations across Florida are participating. They are championing a variety of causes such as caring for seniors, displaced people, children, animals, charities trying to eradicate disease and abuses, those fighting for environmental issues and much more.

Ways to Participate:

  • Donate to your favorite charity or non-profit.
  • Volunteer your time at a local organization.
  • Start your own fundraiser on Facebook. The #Giving Tuesday website walks you through instructions.
  • Do something kind- pay an elderly relative a visit, bake cookies for a neighbor or offer to sweep sick friend’s driveway.
  • Document your activity on social media and spread the good cheer!

The entire family can participate. Teaching children the importance of generosity benefits them. They become less self-focused, while connecting with the world and the needs of others.

Giving enhances the life of the receiver as well as the giver, making our world a more compassionate place.

“Thanksgiving is an ideal time to express my gratitude to our phenomenal independent agents and their staff for all their hard work to make GreatFlorida Insurance a success. Also, a big thanks to all our customers. It is our honor and pleasure to serve you and your families,” says Ellsworth Buck, Vice President of GreatFlorida Insurance.

GreatFlorida Insurance is ready to protect your house and family with reliable homeowners insurance. Give us a call for a free quote today.

The post Get into the Holiday Spirit With #Giving Tuesday appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
11/13/2018

Holiday Spending Forecast

Holiday sales are likely to surpass the trillion dollar mark this year for the first time ever, according to eMarketer, a market research company. They anticipate a 5.8 percent increase compared to last year, marking the strongest growth in holiday spending since 2011. The surge in spending is attributed to low unemployment and strong income growth, translating into greater consumer confidence.

“With retailers anticipating more spending, shoppers can find plenty of deals,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

Thanksgiving Store Closures

So, can shoppers enjoy Thanksgiving Day, without feeling like they are missing out on a bargain? This year nearly 100 popular national and regional retailers will not be open on Thanksgiving Day. Website, bestblackfriday.com, has a comprehensive list of store closings, including, Costco, Publix, TJX Group (T.J. Maxx, Marshalls, HomeGoods) and Home Depot.

In a survey conducted this year, the website found 24 percent of Americans favor Thanksgiving openings, while over 47 percent dislike Thanksgiving openings. Bestblackfriday.com discovered the common theme of “family-time” cited as the reason most retailers remain closed on the holiday.

When to Purchase

However, closing one day still leaves plenty of days for shopping. “Planning ahead seems the best way to get the most for your money,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent homeowners insurance agency.

While many retailers are already offering great bargains, the biggest deals will most likely be found on Black Friday and Cyber Monday. However, will you still be able to find what are looking for if you wait until then? Adobe Analytics tracks online shopping and has come out with their annual holiday forecast. Their recommendations, if you have a specific item you want to purchase, buy it before Thanksgiving.

Adobe Analytics’ findings include:

Best Days for Deals

11/22, Thanksgiving-sports goods

11/23, Black Friday-electronics (including tablets), TV’s and computers

11/25, Sunday-apparel, appliances, jewelry

11/26, Cyber Monday-toys

11/27, Giving Tuesday-furniture and bedding

 

The post Strategic Holiday Shopping appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
11/7/2018

Feds shut-down sham health insurance company

“Unfortunately,  health insurance is being used to deceive many Floridians out of thousands of dollars,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent health insurance company.

In fact, last week, the Federal Trade Commission (FTC) shut down a network of Florida companies that used aggressive and deceptive tactics to sell worthless health insurance products. Allegedly, the company collected more than $100 million by preying on people in search of health insurance, leaving tens of thousands of people uninsured. Many of the consumers have incurred substantial medical expenses and are stuck with thousands of dollars in unpaid medical bills.

A complaint was filed in federal court against Simple Health Plans LLC, and the company’s owner, Steven J. Dorfman as well as five other companies including, Health Benefits One LLC, Health Center Management LLC, Innovative Customer Care LLC, Simple Insurance Leads LLC, and Senior Benefits One LLC.

The FTC alleges the defendants misled people into thinking they were buying comprehensive health insurance that would cover pre-existing medical conditions, prescription drugs, primary and specialty care treatment, inpatient and emergency hospital care, surgical procedures and medical and laboratory testing.

Customers enrolled reported paying up to $500 a month for what ended up being a medical discount program or extremely limited benefit program that left consumers uninsured.

Florida Blue warns customers about scam

Blue Cross Blue Shield of Florida, also known as Florida Blue, wants customers to know it is not affiliated with phone calls claiming to offer plans from well-known insurers, including Blue Cross. The company has made it clear, they are aware of the calls and they are not from Florida Blue nor anyone representing the company.

In a letter written by Florida Blue to address to situation, they state, “When we call you, to comply with privacy laws we’ll always confirm we are speaking to the correct individual, first by asking for some personal information. However, we will never require you to give us financial or banking information, or ask for full social security numbers, over the phone.”

“Floridians receive a ridiculous number of robocalls pitching health insurance scams every year,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent health insurance company.

It pays to get your health insurance through a reputable company you know you can trust. GreatFlorida Insurance offers legitimate health insurance coverage through Florida Blue. Contact us today.

GreatFlorida Insurance is a authorized vendor of health insurance for Blue Cross & Blue Shield.

GreatFlorida Insurance is a authorized vendor of health insurance for Blue Cross & Blue Shield.

 

The post Is Your Health Insurance Legit? appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
10/31/2018

For some drivers, vehicle longevity is paramount in selecting a car. Determined to capitalize on their investment, they will drive their cars into the ground.

“With regular maintenance, most cars last up to 100,000 miles,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent car insurance agency.  Also, Consumer Reports says, the typical age of cars on the road is 11 years. On average, 1.2 percent of cars built every year makes it past 200,000 miles.

However, some cars far surpass the 100,000-mile mark and keep going. Researchers with the automotive website, iSeeCars.com, have complied a list of vehicles that are most likely to continue running well past 200,000 miles.

The data is based on analysis of over 13.5 million cars on the road, sold during 2017, from model years 1981 through 2017 with over 200,000 miles logged. The list is mostly comprised of larger vehicles, seven out of 10 vehicles most likely to pass 200,000 miles are SUV’s.

10. Honda Odyssey

9. Toyota Avalon

8. Toyota Tacoma

7. GMC Yukon

6. Chevrolet Tahoe

5. GMC Yukon XL

4. Toyota 4Runner

3. Chevrolet Suburban

2. Ford Expedition

1. Toyota Sequoia

“Most of the vehicles on the list are constructed with real durability, which must be a factor,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent car insurance agency.

Perhaps more triumphant than hitting the 200,000-mile mark are the vehicles iSeeCars.com, expects are likely to reach 300,000 miles. They include, Toyota 4Runner, Chevrolet Suburban, Toyota Sequoia, Ford Expedition and the Toyota Tacoma.

Noticeably absent from the list are luxury cars. “Typically, luxury models have fewer cars that achieve the 200,000-mile milestone because these cars are often leased with contracts requiring lessees to keep the miles down,” says iSeeCars.com, CEO Phong Ly.

The longest-lasting luxury vehicles to meet or exceed 200,000 miles include, Cadillac Escalade ESV, Cadillac Escalade, Acura MDX and Volvo XC 90.

If you are looking for dependable and affordable car insurance, give GreatFlorida Insurance a call today.

The post Vehicles that run for over 200,000 miles appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
10/17/2018

Hurricane Michael was the 3rd most powerful storm to hit the U.S. The storm quickly escalated to a category 4 hurricane, making it the worst in almost a century. National Geographic reports, Michael had the three most critical characteristics for a hurricane to gain strength and make a big impact. Those include, warm waters, low wind shear (a change in wind speed or direction in a short distance) and a tight core, keeping the storm intact.

“In a span of 48 hours we watched the tropical storm grow to a worst-case scenario,” recounts Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance company.

While it has been a week since Michael made landfall, the impact was so devastating, crews are still searching for survivors in the hardest hit areas. Hundreds remain in shelters and over 100,000 are still without power. Many are dependent on food and water being air dropped to their areas. Bay county schools are closed indefinitely for over 26,000 students. Cell phone service is spotty, and it is difficult to fill a gas tank. To support victims, Verizon announced it would give a three-month credit to every Verizon customer in Bay and Gulf counties.

The Florida Division of Emergency Management has established a website, floridadisaster.org, for storm victims, as an information hub. The website includes a list of open shelters, instructions on how to apply for disaster assistance, emergency supply distribution locations, updated curfews for each county, family reunification, boil water notices, debris reporting, insurance resources, available gas stations, power outage details, school closures, traffic, weather, a list of open camping areas, rumor control and more.

“At GreatFlorida Insurance, we are making every effort to provide our customers with a quick response so they can piece their lives back together,” says Ellsworth Buck Vice President of GreatFlorida Insurance, Florida’s top independent homeowners insurance company.

Gov. Rick Scott, issued an emergency order that ensures additional protections to Florida insurance policy holders. According to the Insurance Journal, the order requires that insurers perform the following.

  • Freeze any rate hikes for 90 days.
  • Provide an additional 90 days to policyholders to supply required information to their insurance company.
  • Rescind for 90 days, all non-renewals or cancellations issued to policyholders in the days leading up to Hurricane Michael. This gives policyholders 90 days to either renew their insurance policy or find a new insurance policy.

For those interested in helping financially, Charity Navigator has highly rated the following charities. They will help by providing food, shelter, medical care and other necessities to victims of the storm.

Team Rubicon, https://teamrubiconusa.org

Samaritan’s Purse, https://www.samaritanspurse.org

All Hands and Hearts- Smart Response, https://www.allhandsandhearts.org/programs/hurricane-michael-relief/

Direct Relief, https://www.directrelief.org/emergency/hurricane-michael/

Many good Samaritans have packed up trucks with food and supplies to come and aid storm victims utilizing their own resources.

The post Hurricane Michael- What is being done? appeared first on The GreatFlorida Insurance Blog.