Whether you’re purchasing your first home to start your family or you’re retiring to beautiful St. Augustine, FL, protecting the home that you love is and should be a priority. Our agents at Tim Huber Insurance understand how important your home is which is why it is our mission to deliver top quality home insurance. If you are moving into your home and haven’t considered how you will protect it from unforeseen incidents like burglary, weather disasters, or fires, allow our agents to provide you with the information you need to make the best choice for you and your family. Whether you’re worried about Florida hurricane season or break-ins, we will help pick the right insurance for you.

Tim Huber Insurance understands how difficult or complicated it can be to choose the ideal home insurance for your home. After all, this is the net that will ultimately catch you and your family in some of the most vulnerable times of your life. Our agents will walk you through the process and answer your questions while addressing your concerns. We make it our priority to ensure that the process of choosing home insurance is seamless and as simple as possible. Your home is more than just a place to provide shelter. Ensuring its safety means ensuring the safety of your peace of mind.

It’s never too soon to choose home insurance to protect your family, your precious possessions, and the home that you love. Jot down your questions, concerns, and what you want from your home insurance and bring it into our office in St. Augustine, FL. Our agents will carefully guide you through the selection process. Give us a call to set up an appointment or just walk in!

Living right on the coast in St. Augustine, FL is simply amazing. You wake up every morning to the sound of ocean waves crashing against the beach, you enjoy warm weather all year round, even if you’re a little more inland, you’re never more than a short walk away from the sea. All that salty sea air is great for people, but not always so great for homes.

The problem is that salt is corrosive. So corrosive in fact that when Hurricane Sandy hit New York City, they didn’t just drain the salt water from the flooded streets and subways, they had to flush the affected areas with fresh water in order to get rid of all that salt.

Salty air can create structural damage in wooden structures as the salt clings to the wood and creates a fuzzy, salty layer that attaches to, and destroys, the top layer of wood, slowly chewing its way down through the rest of the wood, digging in deep.

Salty air can also chew away at a paint job, which is why you see so many bare homes in beach towns. A lot of people in St. Augustine, FL simply don’t care to deal with salt damage.

Cleaning the surface of your home can help. Giving your home a thorough scrub once a year, not allowing mold or salt to set in. You can also use protective primers and paints. Some of the providers you find through Tim Huber Insurance may even offer discounts if you take protective measures against salty air. 

Perils that a typical homeowner can face include damage or loss to their home or property from fire, theft, lightning, hail and wind. While no one plans to lose their St. Augustine, FL home due to these risks, it happens every day. If your home was ever damaged or destroyed, how would you pay to repair or rebuild it? That’s where homeowners insurance has got you covered. Here are the top five questions property owners have about homeowners insurance:

What is Homeowners Insurance?

Homeowners insurance is an insurance policy that protects the investment you have made in your home and property. It provides you with coverage for specific hazards or covered lawsuits.

What Determines My Home Insurance Premium?

While every insurance company is different, and your premium will be calculated on the coverages and limits of your specific policy, there are several basic universal underwriting factors included in most policies, which include:

• The cost to rebuild (not the market value of) your home, including materials and labor
• Location
• Wind resistance upgrades to doors and windows that meet Florida Building Codes

What is Actual Cash Value vs. Replacement Cost Coverage?

Insurance coverage for your personal belongings will reimburse you in the event of a covered loss. Actual cash value reimbursement is typically the amount to replace the item with new property of similar quality – minus depreciation for age. With replacement cost coverage, you will be reimbursed for the value of a new item of similar quality in today’s market.

What Factors Should I Consider When Selecting Homeowners Insurance?

While price is obviously a factor, it’s not the most important things. It is a good idea to compare several home insurance companies by using a comparative checklist before making a decision. Some of the criteria to consider include:

• The company’s financial stability rating
• How much reinsurance they purchase for hurricanes and other disasters
• Service accommodations, availability and convenient hours
• Location of the company office

Why Does My Homeowners Policy Have Two Deductibles?

Your deductible is the portion of costs you must pay for a covered loss. Florida is one of many states that have a separate deductible for hurricanes and “all other perils (AOP).” AOP deductibles cover damage from calamities such as fire, lightning or interior plumbing disasters. After Hurricane Andrew in 1992, due to the devastation, the Florida Legislature introduced separate hurricane deductibles during hurricane season, to make insurance more affordable.

How Can I Lower the Cost of My Homeowners Insurance?

Tim Huber Insurance offers a variety of discounts which can include discounts for the age of your home’s construction, opening protection, policyholder age, burglar/fire/sprinkler systems, roof age/shape, and gated community. Besides discounts, you may be able to make adjustments to your selected policy. Contact our office today to discuss how to arrive at the perfect amount of homeowners insurance coverage for your specific needs.