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Homeowners Insurance Florida Residents Can Afford

When it comes to homeowners insurance Florida residents are compelled to pay exorbitant premiums. The costs are the highest in the country. The average annual cost for a standard HO-3 homeowners insurance in Florida is around two thousand dollars. The average across the country for the same policy is around twelve hundred dollars.


Homeowners insurance Florida residents can afford will definitely vary depending on the size of the house, assets, address and other pertinent factors. If you compare the average cost of homeowners insurance in Florida with that of other states then there is a difference of whopping fourteen hundred dollars. Residents elsewhere can pay around six hundred dollars on an average.


Florida HO-3 Policy



The HO-3 policy is a hybrid insurance scheme for homeowners. It insures the dwelling occupied by the owner including the integral private structures, unscheduled property on the premises and away, loss of use and coverage for personality liability and medical expenses. The policy is a mix of named perils policy and open perils policy. The house is under the coverage of open perils policy while the personal property contents are under the coverage of named perils policy. There are other types of homeowners insurance policy such as HO-1 which is limited to named perils or HO-8 which is similar but it covers ten specific perils. HO-4 is the insurance policy for renters.



What affects rates in FL?



The cost of homeowners insurance in Florida is substantially higher than most other states across the country owing to the vulnerability of the properties. Florida encounters hurricanes almost routinely. Seven of the ten most horrific hurricanes in the country over the last fifteen to twenty years battered the state. Six of these occurred from 2004 through 2005. The state is still trying to recover from the aftermath of the Hurricane Irma that caused extensive damage in 2017. Insurers will always factor in risks while determining the costs of coverage in Florida.


If hurricanes were not a severe enough threat making homes vulnerable in Florida, the state is also a high risk when it comes to wildfires and tornados. As per the 2016 ranking of all states, Florida is placed sixth and seventh for wildfires and tornadoes respectively. The 2017 ranking saw the state safely beyond the ten riskiest in these two categories but the threat still looms large.


Fortunately for residents and property owners, it is now possible to shop for reasonable homeowners insurance Florida residents want. We bring to you the entire realm of homeowners insurance and help you shop for the most reasonable without compromising on the extent of coverage you need.

Texas Health Care Coverage Still Among Worst in Nation

Health insurance in Texas still needs a lot of help. This is because over 19% of Texans, representing some five million people, still do not have a health insurance policy. The affordable care act has sought to address these issues but with only limited success, since the state level government of Texas is opposed to the act on principle. If you or any relatives need health insurance click here.

Despite the opposition to the Affordable Care Act and its national and state level rollout, Texas did progress forward into the 2014 first open enrollment. The state boasted a far larger uninsured pool and population than the majority of other states. In fact, the Kaiser Family Foundation determined that as many as 3,143,000 residents of Texas could be possible exchange customers. They expected that over 2 million of them would receive subsidies for premiums based on family income levels and lack of health insurance for Texas.

Open enrollment concluded in the middle of April 2014. Around only 733,000 state residents had enrolled in the Texas insurance exchange. Health and Human Services announced that 84% of these people had received subsidies to reduce the price of their premiums. While somewhat impressive, these better numbers having Health insurance in Texas were a far cry short of the over 3 million state residents who were potential customers, with only 23% of the estimated to enroll contenders having taken the Federal government up on their affordable care act scheme and new health insurance in Texas plans.

It was not for a lack of choices that the Texas exchange so poorly underperformed expectations. There are 11 carriers who provide health insurance for Texas plans through the exchange. The problems centered around the fact that in 75% of Texas counties, only one or two of the carriers were providing any health insurance for Texas plans to residents. Meanwhile, the heavily populated regions of eastern Texas, mostly in the triangle from Houston to Dallas to San Antonio, boast at least three different carriers from which the people can choose health insurance in Texas. The remainder of the counties of Texas has far fewer choices to offer their residents.

In the old days before the year 2014, insurance companies underwrote policies differently in almost every state, health insurance in Texas companies included. Pre-existing conditions were the dreaded by-word for the fact that if people had a sickness or condition from before they picked up health insurance in Texas, then they very likely would have serious problems in getting coverage at all. If they could, their conditions would like simply be excluded from the coverages provided by the health insurance in Texas policy, or their premiums would be so high as to be in practice unaffordable.

To counter this, the Texas Health Insurance Pool came into existence to provide state residents with alternatives to the status quo should they find themselves shut out from the health insurance in Texas markets because of their medical history. Now the implementation of the Affordable Care Act has eliminated the function and need of the Texas Health Insurance Pool, which stopped covering members on March 31, 2014. The members of the old pool were seamlessly migrated over to the state exchange where they received full health insurance in Texas coverage, including for their pre-existing conditions. 5 Casino tips

Statistical Facts regarding Homeowners Insurance in Texas

About 47 percent of U.S. households own at least one dog. The Insurance Information Institute reports that dog bites are 33 percent of insurance liability claims. It also reports that over 50 percent of dog bites reported to insurance companies happened on the property of the homeowner.

In April this year, 2-year-old Brayden Wilson of Dallas was attacked and killed by his family’s pit bull in his parents’ home. This is a tragic incident, of course. However, if the dog had killed a neighbor or someone else’s pet, the homeowner would have been liable for the death. So, it’s advantageous for property owners to get homeowners insurance with an animal liability clause.

Though it might not always be easy for property owners to find homeowners insurance to cover injuries caused by their pet, with persistence, they can usually get insurance that protects them if their animal harms someone. However, responsible dog owners and dog-welfare agencies complain that insurers blacklist some breeds of dogs from home insurance Texas State liability coverage. Drawing on statistics complied by the CDC about dog bites, breeds that some underwriters of homeowners insurance will not cover include, but are not limited to, the pit bull, Rottweiler, German Shepherd, Siberian husky, Doberman pinscher, chow chow, Great Dane, Saint Bernard, Akita and mixtures of these breeds.

People seeking homeowners insurance with animal liability clauses should examine the policy closely. If it has an Animal Liability Exclusion clause that means animals are not covered. If the policy has a Limitations Exclusion that means the insurer has a maximum that it will pay for one or more dog-bite incidents. If an insurer turns down a homeowner for coverage, the homeowner should call other agents because coverage differs by company, city and state.

The minimum liability coverage for animal liability should be $300.000. The policy should also cover the medical expenses of the victim, including ambulance, ER costs and follow-up medical visits. The policy should include the hiring of a lawyer to defend the homeowner in court. People shopping for animal liability on their homeowners insurance should be aware that most policies cover only the fees of a lawyer the insurance company selects.

A dog that attacks a person or an animal will be impounded by the police. However, most animal liability clauses on homeowners insurance policies do not cover the costs of impoundment. Homeowners policies with animal liability clauses cover the named homeowner and, usually, the relatives who live in the house and anyone under 21 years of age who lives in the home.

Texas has a “first-bite” law that may excuse homeowners from liability if the incident is the first time a dog bit someone, and the victim cannot prove that the dog ever bit anyone. However, even this defense requires a lawyer to defend the homeowner in court. So a homeowners insurance policy with animal liability is invaluable. To sum up, wise homeowners have homeowners insurance with an animal liability clause to protect them and their assets.

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Insurance in Texas to Cover Vehicles Affected by Floods

A Weather Issue In Texas

Probably few people consider floods when they think about the Lone Star State. From the thick, lush forests of the Big Thicket Country to the rolling landscape of lovely South Texas and the amazing desert and mountain vistas of Big Bend, our region offers diversity. Yet since Texas covers 261,979 square miles, floods do sometimes impact drivers and their vehicles even here. Anyone seeking Cheap Car Insurance might want to consider discussing this potential hazard with an auto insurance professional such as the insurance agents at

Just within the past year, for instance, significant flooding struck several parts of Texas. People living around the Brazos River had to contend with the consequences of the swollen waterway overflowing its banks. In Southeast Texas, record levels of rain fell during the month of May. And San Antonio experienced street flooding in some places. Auto insurance companies received many claims from damage caused by these events.

Flooding Poses Hazards For Drivers

Just like other types of natural disasters, flooding threatens human life and property. Sadly, at least 23 people perished in the horrific flooding in Texas this year. Drivers also in many cases experienced terrifying roadway conditions as they struggled to escape from dangerous environments.

As a result of unexpected flooding, thousands of vehicles in many parts of Texas sustained damage as a result of high waters. What can a vehicle owner do to protect automotive property under these circumstances?

Obviously, the most imperative concern during a flooding situation involves maintaining the safety and well being of drivers and passengers. When a flood strikes and you find yourself on the road, you may have few alternatives except to contact emergency assistance. Under no circumstances should you drive into or across visibly flooded roadways or bridges, since these structures may collapse during a flood, or you might find your vehicle carried away in rising waters. Follow best safety practices.

Automotive Insurance Coverage For Floods

The auto insurance industry in Texas can provide some assistance to car owners that may enable them to recover better following flood damage to vehicles. Some auto insurance companies offer comprehensive car insurance coverage. This type of protection reimburses owners for automotive losses caused by flooding.

Typically, a comprehensive auto insurance policy allows the insurer to pay drivers for damage the flood has caused to a covered vehicle, less the amount of the deductible. If the auto insurance adjuster determines that the vehicle is a total loss as a result of the flood, the auto insurance company typically pays the driver for the market value of the vehicle at the time immediately before the flooding occurred, less the deductible. Should the owner decide to keep the damaged vehicle anyway, then the auto insurance company deducts the amount of the salvage value from the check sent to the insured.

Comprehensive auto insurance assists drivers. It enables them to minimize automotive losses from flooding. The desperategambler’s podcast