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As this decade draws to an end and the next one begins, many people form resolutions to improve their lives. It’s a time when people consider getting around to tasks they have put off or consider important decisions to make about their futures. For current and prospective homeowners, one of the most important things to consider is the safety of their homes. While many homeowners already have home insurance, 52% of them don’t fully comprehend what their home insurance provider does or does not cover. There are several key facts to keep in mind while looking for the right insurance.

Independent Agencies Offer More Options

The variety of options when it comes to insurance can be staggering. Before even getting to the many policy types, there is a decision to be made between insurance agencies and insurance companies. To simplify the facts, independent insurance agencies offer more options. They work with a number of companies in order to provide their clients with the best deals and most reliable coverage for home insurance, auto insurance, flood insurance, healthcare insurance, life insurance, business insurance, etc. Every person’s insurance needs are different and independent agencies understand this, providing personalized customer service.

Damage From Natural Disasters Isn’t Always Covered by Home Insurance

Climate change is a rising threat to everyone, but especially dangerous to those who live near the ocean. Hurricanes are becoming more frequent and flooding is now a greater issue than it was previously. Those who live on the coast are especially susceptible to damage caused by natural disasters. Around 80% of Florida residents live along the coast, making them vulnerable to weather-related damage. What some homeowners may not realize is that home insurance and flood insurance are purchased separately. Thankfully, insurance companies in Florida often offer both forms of insurance.

Insurance Is More Accessible Than Ever

As younger generations prepare to buy homes and start families, it can be easy for them to get caught up in the misconception that insurance is confusing, or worse, expensive. However, in the digital age, it is easier than ever to locate reputable insurance providers. Comparing policies and costs is as simple as opening a few tabs on your computer. Comprehensive websites provide details about everything they offer. Information is readily available, making it simple to get a quote, check the cost of coverage, or access email addresses and phone numbers of the staff in case you have any further questions.

For further information about home insurance and more, rely on Key Agency today.

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