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.

F.A.Q - Questions And Answers about Florida Insurance


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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. PLEASE NOTE THAT COMPLETION OF A REQUEST FOR INFORMATION DOES NOT CONSTITUTE THE PURCHASE OF INSURANCE. NO COVERAGE MAY BE ADDED, CHANGED OR BOUND AS A RESULT OF SUBMITTING A REQUEST FOR INFORMATION. ALL COVERAGE MUST BE CONFIRMED BY THE AGENCY IN WRITING SUBJECT TO AN ACCEPTABLE SIG NED APPLICATION MEETING THE UNDERWRITING GUIDELINES OF THE INSURANCE COMPANY. Please read your policy carefully for your terms of coverage. No information in this website alters the terms of coverage in your individual policy. If you do not agree to these terms please exit this website