Homeowner’s Insurance
Does Homeowners Insurance Cover a House Under Construction?
If you’re building a new home or renovating an existing one, insurance can get confusing fast. One of the most common questions homeowners ask is: Does homeowners insurance cover a house under construction? The short answer is not always — and that gap in coverage can leave homeowners exposed to costly risks. Below, we explain…
Read MoreWhat Is the 80% Rule in Homeowners Insurance? A Simple Guide for Panama City Homeowners
TLDR (Quick List) What Is the 80% Rule in Home Insurance in Florida? The 80% rule is a standard guideline used by most homeowners insurance companies. It states: You must insure your home for at least 80% of its replacement cost in order for your insurer to pay the full amount needed to repair or…
Read MoreWhat Is Not Covered by Homeowners Insurance? A Guide for Destin Homeowners
TLDR (Quick List) What Standard Homeowners Insurance Does Not Cover Many homeowners assume their policy covers everything—but that isn’t the case. If you live in coastal Florida, especially areas like Destin, Miramar Beach, Santa Rosa Beach, Fort Walton Beach, and Niceville, understanding your exclusions is crucial. Below are the most common things NOT covered by…
Read MoreHow do I find affordable homeowners insurance in Destin, Florida?
TL;DR – The Smart Way to Get the Best Homeowners Insurance in Florida Here’s what you need to know: How to Find the Best Homeowners Insurance in Florida (Without Overpaying) If you own property along the Emerald Coast — whether it’s a full-time home or a beach retreat — you’ve probably noticed that homeowners insurance…
Read MoreWill Filing a Homeowners Insurance Claim Really Increase My Rate or Get Me Dropped?
If you’re a homeowner in Niceville, you know how important it is to protect your property with a good homeowners insurance policy. But here’s a common question many people ask: If I file a claim, will my rate go up — or worse, will my insurance company drop me altogether? It’s a valid concern, especially…
Read MoreWhy Is It Difficult to Get Homeowners Insurance in Florida?
If you own a home in Destin or anywhere along Florida’s Emerald Coast, you’ve probably heard friends or neighbors talking about how tough it is to get — and keep — homeowners insurance. You might have even experienced it yourself: you call a local agent near me for a quote, only to find your options…
Read MoreDo I Need Separate Windstorm or Hurricane Coverage?
Living in Florida—especially near the Gulf Coast—means sunshine, salty breezes, and beautiful ocean views. But it also means preparing for hurricane season every year. With increasingly frequent storms and unpredictable weather, many Florida homeowners ask the same important question: Do I need separate windstorm or hurricane coverage? At Gulf Coast Affordable Insurance, we help homeowners,…
Read MoreIs Destin, Florida a Good Place to Invest in Real Estate?
For decades, Destin, Florida has been known as the “Emerald Coast” thanks to its sugar-white beaches and beautiful green waters. But beyond being a popular vacation destination, many people wonder: Is Destin a smart place to invest in real estate? The short answer? Yes. Whether you’re considering a beachfront condo, a rental property, or a…
Read MoreThe Real Costs of Owning a Rental Property (And How to Budget for Them)
Costs of Owning a Rental Property Owning a rental property can be a great investment, offering a steady income stream and long-term wealth building. However, what many first-time landlords and property investors overlook are the hidden costs that come with managing a rental. From maintenance to insurance, understanding these costs of owning a rental property…
Read MoreHow to Protect Your Rental Property During Tourist Season
Florida’s tourist season is a lucrative time for rental property owners. With so many visitors flocking to popular destinations like Navarre, Destin, and Panama City, demand for rental homes, condos, and apartments skyrockets. However, hosting tourists comes with its own set of risks. Whether it’s wear and tear, unexpected property damage, or ensuring compliance with…
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