Gulf Breeze Insurance

Property and Casualty Insurance

Property and casualty insurance coverage is a necessity for homeowners to protect their investment in case of damage or theft. The coverage should protect you whether you live in your home full-time, part-time or if you rent out your home as a vacation rental property.

Gulf Breeze Insurance Providers

In Gulf Breeze, Florida, the heavy hurricane damage of recent years has resulted in a lack of available and affordable property insurance. Citizens Property Insurance Corporation is one of the few insurance companies accepting new customers for property and casualty homeowner's insurance in this area.

Rates

Many insurance companies have significantly increased their property and casualty rates for their current customers or are requiring separate policies or riders to fully cover damage caused by major weather occurrences such as hurricanes and floods. It pays to rate shop before you purchase or renew your policy. The State of Florida has developed a no-cost insurance rate comparison tool that gives the costs of home insurance from a variety of providers. This is a great way to do some research before you contact local Gulf Breeze insurance agents.

Coverage

Your policy should cover the replacement value of your home and property against fire, theft and storm losses. Be sure to review the policy coverage carefully to ensure it covers all aspects of a storm loss including water damage on all items in your home. You may need an additional policy for flood insurance or a special coverage rider that provides coverage for expensive jewelry, art or computer equipment.

Renter's Insurance

Renter's insurance will cover your personal belongings if you are renting or vacationing for an extended period of time. The homeowner's property and casualty insurance should provide fire and damage protection; but, it would not cover if your golf clubs or camera were stolen. Be sure to carefully read the details of the any insurance coverage you select. You may need to take out a separate policy or add a special rider for protection to cover any damage or loss to your belongings due to flooding or hurricanes.

Car Insurance

You can't register a car in Florida if the car does not have insurance for property damage, personal injury and bodily injury, each at levels of $10,000 or more.

Several companies are approved by the Florida Department of Insurance to provide car insurance including:

• Geico
• Nationwide
• State Farm

Sometimes a rental car has basic coverage for collision and property damage as part of your rental agreement. You may have additional coverage if you used a gold or platinum credit card to rent the car. Check the type and amount of insurance coverage on the car before you leave the rental car desk, purchasing additional coverage from the rental car company if you feel it is necessary.

Health Insurance

Your health insurance coverage may extend worldwide; but, it could be difficult to get quick service and reimbursement for emergency expenses if your insurance company doesn't support a large number of subscribers in the area.

Check your policy for service providers in the Gulf Breeze area if you plan to live there full or part time. If you are only vacationing in the area, plan ahead and get a list from your health insurance company of hospitals and practitioners in the area.

If you are looking for a new health insurance provider, the providers with the most nationwide coverage include:

• Aetna
• Blue Cross and Blue Shield
• Cigna
• UnitedHealth Group
• WellPoint

Travel Insurance

A two-week golf vacation or beach adventure can quickly turn into a nightmare if you become sick, lose your luggage or have your trip interrupted. You should consider purchasing travel insurance from a reputable carrier or from your travel agent before you leave on your trip. The policy will usually cover:

• Emergency medical expenses
• Accommodations due to travel delays
• Stolen, lost or damaged baggage
• Trip interruption or cancellation due to emergencies and weather
• Rental car accident damage