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PREFACE:

ABOUT US... THE PURPOSE OF THIS GUIDE

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The purpose of this guide is to provide enough information for homeowners to develop a working fundamental knowledge of homeowner's insurance, so they are then better able to make informed choices when buying insurance.

Understanding homeowner's insurance policies can be a very complicated and confusing task, even more so for people who come from a different state or an entirely different area of the country. This is particularly true in the State of Florida, which is unique with vast hurricane and high-risk coastal areas. Hopefully after reading this guide, you will feel more comfortable with the terminology used by insurance agents and when you go to buy insurance you will better know what to expect. But, we always recommend that you be an independent shopper and do your own research in addition to reading this guide.

In this guide we have complied what we have found to be the "Top 10 Concerns and Challenges" facing consumers shopping for home insurance in Florida. We narrowed down the Top 10 by years of experience working with our customers and speaking to other insurance agents, realtors and mortgage brokers about the common questions they are faced with. In addition to this valuable feedback, a big part of our research comes from closely monitoring our Google Analytics Report from our website, to determine the most common searches and questions regarding homeowner's insurance. While we know this guide does not cover all aspects of homeowner's insurance, we do hope it will assist in making you comfortable when you are in the process of looking for a homeowner's policy.

Hoffman & Associates Insurance Company is an Independent Insurance Agency that writes insurance through a broad variety of companies. We have been in the insurance business in Brevard County, Florida since 1964 when Bill Hoffman Sr. started his career with Allstate Insurance Company. His sons, Bill Jr., Bob and Tim, followed in their father's footsteps by working for Allstate Insurance Company initially, then leaving in 2002 to establish Hoffman & Associates Insurance Company.

Insurance Guide

PREFACE: ABOUT US... THE PURPOSE OF THIS GUIDE
Chapter 1: What are my options when looking for an agent?
Chapter 2: Why do I need homeowner's insurance... and what if?
Chapter 3. Can my insurance policy be cancelled?
Chapter 4: What factors go into determining the cost of an insurance premium?
Chapter 5: Can you explain homeowner’s insurance coverages?
Chapter 6: What is Citizens Insurance?
Chapter 7: Am I required to have flood insurance?
Chapter 8: Insurance Inspections. Do they hurt or help?
Chapter 9: What hazards should I look for when buying a home?
Chapter 10: Why should I inventory my home and what do I need to record?
Chapter 11: What do I do to prepare for a hurricane and what can I expect afterwards?

TERMS AND CONDITIONS OF USE

Information contained within this site is the property of Hoffman and Associates Insurance Company and is provided for consumers looking to purchase insurance. Any other use is prohibited. We are not responsible for errors and omissions on this web site. All information contained herein should be deemed reliable but not guaranteed, all representations are approximate, and individual verification is required. Please contact Hoffman Insurance Company at 321-751-2511 before making any purchase decisions based on information contained on this web site to check for validity. This content is copyrighted by Hoffman and Associates Insurance Company and will bring legal action on to anyone who copies the information contained here.