GreatFlorida Insurance - Steven Brooks - Margate Insurance

Homeowners Insurance Quotes in Margate, FL

Steven Brooks, Agent

954-971-7662

101 N State Rd 7 - #121
Margate, FL  33063
Fax : 954-971-3902

4.9 of 5 stars - ‎74 reviews
Now loading ...
GreatFlorida Insurance Homeowners Auto Agency in Margate
Contact your local Agent
Call : 954-971-7662 or

Homeowners Insurance MargateHomeowner's Insurance

Homeowner's Policy Coverages

A Margate Homeowner's Insurance policy is designed to cover the structure of your home, and includes protection for various kinds of Personal Property as well as Liability coverage. Want to know more? Give us a call at 954-971-7662 to speak to a local agent.

Home Insurance Coverage — What Is Covered

Standard home insurance coverage policies provide the following types of coverage, up to the limits outlined in the policies:

  • Dwelling — Pays for damage or destruction to your house and any unattached structures and buildings. Examples include fences, attached garage, or patio cover.
  • Personal Property — Covers the contents of your house, including furniture, clothing and appliances, if they are stolen, damaged, or destroyed.
  • Liability — Protects you against financial loss if you are sued and found legally responsible for someone else's injury or property damage.
  • Medical Payments — Covers medical bills for person(s) injured on your property.
  • Loss of Use — Pays for additional living expenses if your home is uninhabitable due to a covered loss. Most standard Margate Homeowner's Insurance policies pay 10% to 20% of the amount of your Dwelling coverage.

Does my policy cover hurricane damage?

Yes, your homeowner’s insurance policy will cover damages cause by windstorms. The deductible for hurricane damage can range from 2% to 10% of the insured value of the dwelling depending on the policy.
NOTE: Hurricane damage is normally covered, but may be rejected in certain situations.

What does the hurricane deductible mean?

This is the amount that you, the policyholder, will have to pay out of pocket. For example, if your home is insured for $250,000 with a 2% wind deductible and has hurricane damages of $50,000.
The amount of the deductible will be 2% X $250,000 = 5,000.

The remaining amount ($45,000) would be paid by the insurance policy. What factors can affect Margate Homeowner's Insurance premiums?

Home Features and Characteristics — The age of your home, type of structure, wiring, roof, garage, etc., can affect your Margate Homeowner's Insurance premium. Older homes can often cost more to insure, and those costs can differ depending on whether your home is brick, frame, stone or has synthetic siding.

Location — Where your home is located can change your Margate Homeowner's Insurance premium. For example, your home insurance rate can be affected if your home is in close to a fire station; is exposed to extreme weather, such as hurricanes, tornadoes or earthquakes; or is in a neighborhood more prone to theft.

Protective Devices — Burglar alarm systems, smoke detectors, fire extinguishers, sprinkler systems and deadbolt locks can lower your Margate Homeowner's Insurance premium.

Personal Factors — What you do can affect your Margate Homeowner's Insurance premium, too. For instance, smokers may pay more for home insurance than nonsmokers. A good credit history also can lower what you pay for home insurance.

Claims History — If you have a history of claims on a Margate Homeowner's Insurance policy, you may pay a higher premium.

Discounts and Special Programs

There are many discounts are available on Margate Homeowner's Insurance policies. For example, you may qualify for a discount if your home has an updated roof, a monitored alarm system, hurricane shutters or impact windows in Margate.

Payment Options

In many instances your Margate Homeowner's Insurance policy can be escrowed in with your mortgage. However, if you need to pay separately, many carriers now offer several convenient payment options.

Does my policy cover floods?

The fact is that Florida homeowner insurance does not cover damage caused by flood, and federal disaster assistance is only offered when the president declares a major disaster (which only happens in 50% of flooding situations).

Unfortunately, most people do not find this out until it is too late. However, flood insurance is available to protect homes and businesses and their contents in communities that participate in the National Flood Insurance Program.

Simply call 954-971-7662 or complete our online quote request form. A GreatFlorida Home Insurance Agent will help you find the best deal for you.

Get a Quote Online
Call 954-971-7662

About Homeowner's Insurance in Margate, FL

GreatFlorida Insurance agents can easily explain the specific needs of your home in Margate, FL. Along with mortgage requirements and the difference between dwelling, personal property, liability, medical payments and loss of use coverage as well as available discounts.

Get a Free Insurance Quote from your local GreatFlorida Insurance agent. They will help you find the most affordable options.

Your home is likely your most costly asset. It contains your belongings and valuables and more importantly your family and cherished memories.

After the overwhelming task of finding a new home in Margate, it can be tempting to settle by purchasing a basic homeowner’s insurance policy that could leave you with inadequate coverage or paying for more coverage than you need.

GreatFlorida Insurance in Margate, FL will make sure your homeowner’s insurance policy will provide adequate coverage to protect your home from fires, hurricanes, break-ins and more. Compensation for your financial loss will allow you and your family to continue living comfortably.

Florida Homeowners  Insurance Blog
by GreatFlorida Insurance
6/6/2018

Following the devastation of last year’s hurricane season, lawmakers promised many changes. However, as this year’s storm season begins, only a few changes are on the books.

“After billions in damages, most Floridians were expecting to see more changes this hurricane season,” comments Ellsworth Buck, Vice President of GreatFlorida Insurance.

According to the Associated Press, “The Florida House of Representative’s Select Committee on Hurricane Response and Preparedness issued 78 recommendations over the past year, with 27 being acted upon, mostly as appropriations in the state budget.”

The few substantial changes made include, ensuring nursing homes and assisted living facilities have a supply of generators and three days of fuel. Also, the creation of a disaster preparedness sales tax holiday occurring now through June 7. Certain storm supplies are tax exempt, such as: flashlights, batteries, candles, reusable ice packs, fuel containers, ratchet straps and portable generators.

Preparedness is essential, but understanding risk is also important. “As we head into hurricane season, know your homeowners insurance deductible and limits. You want to be insured for your home’s replacement costs,” reminds Buck of GreatFlorida Insurance.

Most homeowners insurance cover hurricane wind damage, but not flood damage. Flood insurance is separate from your homeowners coverage. Federal Emergency Management Agency (FEMA) officials advise everyone with a home in Florida to get flood insurance, despite what a flood map might say.

To improve the publics knowledge of risk, the National Hurricane Center is making improvements in forecasting. New public advisories will better help communicate danger, especially those in an evacuation zone. Adjustments are being made to official hurricane track maps. Experimental wind maps will become official. And advisories will include potential impacts further in advance.

Access to fuel and transportation presented a real problem for those trying to evacuate. In order to ease congestion, a promise to identify larger gas stations along evacuation routes and improved fuel delivery to those areas.

Insurance is designed to help people rebuild their lives. GreatFlorida Insurance can help protect your home with a Florida flood insurance policy provided by the National Flood Insurance Program. We also offer homeowners insurance and rental insurance. Check us out online today.

 

 

 

 

The post Changes this hurricane season appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
5/23/2018

A sink hole is growing on the North Lawn of the White House. We will resist the temptation for commentary and jokes.

“Sinkholes are nothing new to Floridians,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowner insurance provider.

However, concerning experts, are the recent heavy rains throughout the state, that may lead to additional sinkholes. Such as the ones in The Villages or the more than a dozen that opened in an Ocala neighborhood earlier this month.

Speaking to a local news agency, Dr. Anthony Randazzo, professor at the University of Florida calls the stretch of land between Tallahassee and I-4 through Central Florida, “sinkhole alley.”

Dr. Randazzo says last year’s Hurricane Irma is responsible for over 400 sinkholes. Recent heavy rainfall is exacerbating the problem.

Sinkholes occur in Florida so often because the peninsula is made up of porous rocks such as limestone or sandstone, which can dissolve over time as they interact with acid naturally occurring in rainwater, according to the Florida Department of Environmental Protection.

So, what happens if a sinkhole develops near or on your property? Florida law requires insurance companies to provide coverage for catastrophic ground cover collapse.

“However, sinkhole damage must meet specific criteria and may not be covered by your homeowner’s insurance policy,” says Buck with GreatFlorida Insurance.  “The law defines sinkhole damage differently from catastrophic ground cover collapse. Sinkhole coverage is available to add to a homeowner’s policy for an additional cost.”

Florida homes do not require inspection for the possibility of sinkholes. Also, most builders do not have them inspected, because of the additional expense. It is impossible to predict when and where the exact location of a sinkhole might develop.

Only a licensed, professional geologist with training in identifying sinkholes, might be able to determine the possibility of sinkhole activity. It is important to keep in mind, not all potential sinkhole activity can be identified.

As a protection to buyers, home sellers are required to disclose when a sinkhole claim was made on a piece of property and the amount that was paid to repair the damages.

You can call the Florida Department of Environmental Protection at 850-245-2118, with a sinkhole question.

The post Heavy Rain Responsible for Sinkholes appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
5/16/2018

The 2018 Atlantic Hurricane season begins June 1 and runs through November 30. “Current research proves hurricanes are growing stronger and occurring more frequently,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent auto insurance agency.

Colorado State University predicts a slightly above average Atlantic hurricane season, with 14 named storms, seven hurricanes and three major hurricanes. Whereas, The Weather Channel, is predicting 13 named storms, six hurricanes and two major hurricanes.

While thunderstorms commonly occur in Florida, hail is not as common. It is a type of frozen precipitation that occurs within strong to severe storms any time of the year. Hail causes approximately $1 billion in property damage annually nationwide.

Hail can dent your automobile’s hood, trunk and doors. It can break and crack mirrors and windows and cause damaged or stuck doorjambs.

“It is really tempting to observe the novelty of anything frozen falling from the sky but hail can be dangerous, especially if it is sizable,” reminds Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent auto insurance agency.

If you are out driving when a hailstorm hits, don’t panic. Below are tips to stay safe on the road.

Slow down and be aware of other drivers around you who make not know how to react when driving in a hailstorm.

Create distance between you and the driver ahead of you.

Safely, get off the road. The impact of hail is greater on a moving object, so your car is at greater risk of damage when it is moving forward.

Look for coverage close by such as a gas station awning or garage.  Avoid trees, falling branches can cause more damage.

If you stop under a bridge or overpass be sure to pull completely out of traffic lanes and onto the shoulder.

Do not leave your car.

Try and keep your car at an angle so hail hits it from the front. Windshields are reinforced to withstand pelting objects. Side windows and back glass are not, they are much more vulnerable to shatter or break.

If the hail is severe, cover your eyes or the eyes of any passengers with a blanket. Get face down in the backseat or floor, face away from any windows.

Stay clear of culverts or ditches that quickly fill with water.

Most comprehensive auto insurance policies will cover hail damage. Once the hail damage is accessed, work with your insurance agent to file a claim and get your car into an auto body shop to repair any dents or other damage caused by the storm.

The post Protect Your Car from Hail Damage This Storm Season appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
5/9/2018

Hawaiian lawmakers recently passed a bill prohibiting the sale of sunscreen containing chemicals known to harm coral reefs.

“Once signed by governor David Ige, it will be the first law of its kind,” says Ellsworth Buck, Vice President of GreatForida Insurance, Florida’s largest independent boat insurance agency.

The chemicals contributing to the destruction of coral reefs and other ocean wildlife are oxybenzone and octinoxate. These are common ingredients found in over 3,500 popular sunscreens such as Coppertone, Hawaiian Tropic and Banana Boat.

Oxybenzone and octinoxate are chemicals that filter and absorb UV light, blocking out the sun’s radiation and extending the amount of time a person can spend in the sun. However, like most topical products, they wash off in the water causing damage to coral and fish. According to coral reef advocates, Be Reef Safe, 4,000 to 6,000 tons of sunscreen end up on coral reefs every year.

A 2015 study conducted by a group of scientists of coral reefs in Hawaii, the U.S. Virgin Islands and Israel found oxybenzone and octinoxate leach nutrients from coral, bleach it white and reduce its resiliency. The chemicals are known endocrine disrupters, even a tiny amount can damage coral.

“The largest coral reef in the continental U.S. is the Florida Reef, found in the Keys,” reminds Ellsworth Buck, Vice President of GreatForida Insurance, Florida’s top independent boat insurance agency.

It is the third largest barrier reef ecosystem in the world. It too is being threatened by using these chemicals. In order to protect the future of Florida’s reef tract a similar bill could be passed in Florida. As the public becomes aware of the threat these chemicals pose to coral reef and underwater wildlife, it could prompt action to preserve our beloved reef.

Best thing to do now is read sunscreen labels and avoid oxybenzone and octinoxate. There other ingredients available in sunscreens that can effectively protect your skin. Most importantly, cover up. Sunscreen, should be the last line of defense.

The post Could Florida Ban Sunscreen? appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
4/18/2018

2018 Earth Day is this Sunday, April 22. The theme for this year’s Earth Day focuses on ending plastic pollution. Single-use plastic is believed to be the biggest source of trash in and around water worldwide.

We use plastic everyday- plastic bags, toothbrushes, water bottles, product packaging. It’s hard to go a day without plastic,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent boat insurance agency.

Some alarming statistics about plastic include the following:

2.5 million plastic bottles are used every hour in the U.S. (Recycle Across America)

8 million metric tons of plastic enter the ocean every year (Recycle Across America)

The Great Pacific Garbage Patch, the world’s largest collection of floating trash has grown to 600,000 square miles, twice the size of Texas. (Scientific Reports)

According to the website, Earthday.org, plastic poisons and injures marine life, disrupts human hormones, litters beaches and landscapes and clogs our waste streams and landfills. The movement is hoping to inspire and inform people into changing their attitude about plastics.

So, what can one person do to make a difference? Below is a list of suggestions to help you reduce the use of plastic.

Carry your own reusable shopping bags to the store.

Stop buying bottled water, carry a reusable water bottle.

Use a refillable mug at the coffee shop, you can even get a discount for it.

Say “no” to straws.

Checking your packaging. When possible, choose paper packaging over plastic, such as a box for pasta rather than a plastic bag.

Trade in your disposable razor for one you that you only must switch out the blade.

Change up your food storage. Instead of using plastic baggies or plastic wrap, try mason jars, bento boxes or glass containers.

Recycle

“Doing something is better that do nothing,” reminds Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent boat insurance agency.

If we all try and make one or two changes to our plastic use, collectively, we can make a difference. Consumer choice speaks loudly.

 

 

 

The post Trashing the ocean appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
4/11/2018

Spring is an ideal time to list your home for sale. But before it is listed on the market, be sure it is attractive to buyers. According to survey by the National Association of REALTORS, most real estate professionals estimate staging increases the sale price of a home anywhere from 1 to 15 percent.

“It doesn’t always take much to make your house more appealing,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

Staging your home does not require hiring a company. It can be as simple and inexpensive as some sweat equity from the homeowner. Setting aside some time to make small improvements will pay off in the long run.

Boost curb appeal– The exterior of your home is the first impression, make sure it is a good one. Real Estate website Zillow, has some recommendations on making a warm welcome.

  • Trim shrubs, bushes and trees.
  • Repair broken downspouts and gutters.
  • If it’s appropriate for your yard, apply new mulch, river rock and/ or pea gravel.
  • Clean and repair concrete areas such as driveways and walkways. Be sure to eliminate any oil or grease stains and remove any weeds coming through the cracks.
  • Spruce up the front with some new flower pots with bright colored flowers and a welcome mat.
  • Make sure the house numbers are easy to see an in a style that complements your home.
  • While listed, keep the yard mowed, weeds pulled and the front of your home and the porch, patio and deck swept.

Clean– This requires more than the weekly cleaning. Clean all surfaces, dust fan blades and window trim and blinds as well as floor trim. Clean the windows and make appliances sparkle.

Declutter and Organize– Less is more. Get rid of any piles of stuff as well as bulky furniture. Don’t forget the closets, the less you have in them, the more spacious they appear. Clutter makes a home look messy. Put away personal items, such as family pictures so buyers can see themselves in your space.

“Walk through your home with the eyes of a buyer and notice what improvements need to be made,” suggests Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent homeowners insurance agency.

DIY improvements-This includes touch up paint on scuff marks, fixing loose door or cabinet handles and knobs, replacing burned out lightbulbs or fixing a running toilet. You might consider replacing outdated fixtures as well.

Spruce up décor-Keep décor simple. Repaint a bold wall color, a neutral. Remove unusual artwork from the walls, this helps potential buyers visualize better. Buy new towels, bath rugs and candles for the bathroom and close the toilet lid.

Smell– Bad smells can be a deal breaker. Remove lingering smells from last night’s taco dinner or Fluffy’s litter box. Try burning a vanilla candle.

The post Preparing your house to sale appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
4/5/2018

Recently, an 11-ft. alligator made its way into a homeowner’s swimming pool in Sarasota, FL after busting through the patio screen.

A seven-ft. alligator caused a traffic jam on Easter Sunday in Jacksonville, while trying to cross Interstate 295.

Warmer weather is bringing out alligators.

“Most Floridians have seen an alligator lurking around, especially golfers,” comments Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent boat insurance agency.

In 2017, the Statewide Alligator Nuisance Program (SNAP), received 13, 210 nuisance alligator complaints resulting in the removal of 8, 455 nuisance alligators.

According to the Florida Fish and Wildlife Conservation Commission (FWC), This once endangered species, has a healthy and stable alligator population estimated at 1.3 million in a variety of sizes just in Florida. In addition, alligators inhabit all 67 counties in Florida

An important part of Florida’s wetlands and eco-system, alligators become more active when the temperature rises and their metabolism increases. Mating season is from April – June.

“While alligators are a part of the Florida landscape, you certainly want to keep your distance,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent boat insurance agency.

Alligators are unique, in the fact they that inhabit land and water. This feature also makes them very dangerous. American zookeeper, Jack Hanna says an alligator can outrun all human creatures within the first 20-30 feet of exiting the water, making it very difficult for humans to outrun alligators.

The Key West Aquarium, has advice for living with alligators:

Avoid feeding an alligator, it is dangerous and illegal.

Stay at a safe distance of at least 50 feet away.

Do not approach an alligator to take a selfie.

Avoid checking to see if an alligator is alive.

Before entering a freshwater stream, lake or spring, check around. Alligators are often around even if you don’t see them.

Keep pets on a leash and away from the water.

Steer clear of water at night.

If one bites you, make as much noise as possible. Work hard to get away, use force and try poking at their eyes.

People with concerns about an alligator can call the Nuisance Alligator Hotline, 866-FWC-GATOR (866-392-4286).

 

 

 

 

The post Here come the alligators appeared first on The GreatFlorida Insurance Blog.