Slide 1

Serving South Florida

Slide 2
For over 35 years

Uncategorized

Villa Octagon

Villa Octagon at 1900 N Ocean Blvd is a 5-story boutique condominium on the beach in Fort Lauderdale, Florida.  There are only 4 total residences with each occupying an entire floor featuring 3 bedrooms with over 3,300+ square feet of living space, large patios, private elevator and direct oceanfront views.

Villa Octagon was constructed in 1992 and  amenities include a heated pool and garage parking.

Fort Lauderdale, located in Broward County, Florida has a great selection of real estate available for those looking for a home or investment opportunity. Choices range from charming two to four-bedroom single-family homes on tree-lined subdivisions, condos with world-class amenities, and beautiful, spacious homes in private gated communities. The city has an eclectic selection of neighborhoods ranging from centrally located ones like Victoria Park to the high-end waterfront enclaves in the Las Olas Isles area to country club communities such as Coral Ridge.  Popular destinations in the area include  Las Olas BoulevardThe Broward Center of the Performing Arts in Downtown Fort Lauderdale, and The Galleria Mall.  The Fort Lauderdale-Hollywood International Airport, golfing, tennis, yacht clubs and more are only a short car ride away.

View Condos for Sale in Villa Octagon below.  Call Kim Bregman at 561-251-7170 for a private showing.


Sorry we are experiencing system issues. Please try again.


Sorry we are experiencing system issues. Please try again.

Hurricane Preparedness Before Your Vacation

As a Floridian, you already know the drill: hurricane season runs June 1 through November 30 each year, and certain hurricane preparations are needed to protect your home when storms appear to be heading your way. But what happens if you are some distance away, or even out of state, when this occurs? You can still prepare ahead of time – and a few extra steps is all it takes to secure your home while you’re away.

Performing the following hurricane preparation before vacation will allow you to relax and enjoy family time, or the scenery wherever you’re vacationing.

Insurance Coverage. Every year, you should review your homeowners, flood, and wind insurance policies to make sure you will have the coverage you need should your home be in the path of the next major hurricane or storm surge. Ideally, this is done before hurricane season begins, but should absolutely be done before you leave on vacation.

Home Safety Measures. Whatever hurricane preparedness you might normally do if you were home when a storm was approaching, do before you leave on vacation. This includes closing/installing your hurricane shutters, trimming trees, and bringing in any outdoor furniture or other items subject to becoming projectiles during a hurricane. Doing all of this before a storm is even on the horizon might seem like overkill – but the peace of mind it provides should bad weather threaten while you’re away will be priceless. Especially since you won’t be able to do much from a distance.

Electronics, Water & Gas. Consider unplugging valuable electronics and appliances to avoid potential power surges as the result of a hurricane or tropical storm. Alternatively, you could opt to turn the power off at the breaker. To avoid potential leaks, you may also want to consider turning off the main water and gas valves to your home.

Inform a Trusted Neighbor or Friend. Let someone you trust know about your vacation plans, including when you’ll be away, how you might be contacted, and any relevant details about your home security or other systems. They may be able to keep an eye on your home in your absence should a hurricane develop.

Ready the Emergency Kit. Stock up on supplies you would rely on if you were home during a hurricane, such as flashlights, batteries, first-aid kits, nonperishable food, and an ample supply of bottled water. This hurricane preparedness will be helpful if you return home without power or access to supplies are limited. Store a small version of this kit in your car, and top off the tank.

Have a Backup Plan. Should you be unable to get to your home upon your return from vacation, or if your home is damaged by a hurricane or tropical storm, have a contingency plan of possible friends or nearby locations you may be able to shelter in until your home is safe to return to.

Stay Informed. Even with all the right hurricane preparedness before you leave on vacation, you’ll want to monitor weather conditions from afar, especially once a hurricane or tropical storm has been identified. You’ll be able to make the best decisions when they are informed by as much information – and preparation – as possible.

Dell Park

Dell Park is a neighborhood of luxury homes located in East Delray Beach. The  Dell Park neighborhood  spans from Lake Ida to  George Bush Blvd with great access to the beach and Downtown Delray..

Ideally located in South Palm Beach County, FL, the community is close to plenty of shopping including Delray Marketplace, golf, beaches, and attractions. Downtown Delray Beach on Atlantic Avenue, Boca Raton‘s Town Center Mall and Mizner Park and Fort Lauderdale with Los Olas Blvd are also nearby. Major medical facilities are just a few minutes away. Palm Beach International Airport is 30 minutes away or Fort Lauderdale-Hollywood International Airport is 40 minutes away.

Delray Beach, Florida, offers a diverse range of luxury real estate to choose from. Here you can take your pick from family-friendly communities that offer single-family homes, waterfront estates, and villas, condominium properties located in private enclaves that feature scenic views and charming apartments and townhomes that are for sale or rent that come complete with resort-style amenities.

View Homes for Sale in Dell Park below.  Call Kim Bregman at 561-251-7170 for a private showing.


Sorry we are experiencing system issues. Please try again.

Salato

Salato is an oceanfront boutique, ultra-luxury development comprised of 40 residences, including 6 penthouses,  in Pompano Beach, Florida.  Designed by Randall Stofft with interiors by Steven G. Salato features expansive 3-bedroom floor plans, extra wide living spaces, and incredibly rare 14-foot-deep terraces. The intimate residential experience is complemented by private beach service, state-of-the-art fitness & wellness facilities all serviced by five-star trained concierge partners.

Complete views of the breathtaking ocean blending with the open sky are provided by the floor to ceiling windows in each residence. The views inspire and influence the design of these homes. The light-colored decor appears to change throughout the day as do the spacious areas that embrace the grandeur of the horizon.

Building Features

  • 4 Semi-Private elevators
  • Contemporary designed porte cochère
  • Over 20,000 sf of amenity deck
  • Video surveillance and access control at all points of entry
  • Emergency back-up generator supporting complete life safety systems
  • 24-hour concierge
  • Beach experience attendant
  • Mail room with storage for large deliveries and refrigerated storage for food delivery services

At Salato, nothing is random. Every part of the design, every piece of material, every service, and every amenity is thoughtfully conceived and executed to blend harmoniously. The result is refined elegance that captures the beauty and nature of this oceanside piece of paradise.

Pompano Beach, in Broward County, maintains more than 50 local parks for sports enthusiasts or those who have a penchant for outdoor relaxation. Local attractions and shopping in Pompano Beach provide myriad entertainment options.

Annual special events include a holiday boat parade in December, seafood festival in April, and a fishing rodeo in May.

Pompano Beach’s real estate market offers potential homebuyers some of the most beautiful waterfront homes in the region. Single-family homes that offer direct access to the ocean are perfect for buyers with small or large vessels. Homes fronting the Intracoastal Waterway and single-family residences that have access to ocean canals are also available and may or may not feature fixed bridges. The Heart of the Gold Coast is tucked snugly between the cities of Fort Lauderdale and Boca Raton.

View Condos for Sale at Salato Pompano Beach below.  Call Kim Bregman at 561-251-7170 for a private showing.


Sorry we are experiencing system issues. Please try again.

Salato

Salato is an oceanfront boutique, ultra-luxury development comprised of 40 residences, including 6 penthouses,  in Pompano Beach, Florida.  Designed by Randall Stofft with interiors by Steven G. Salato features expansive 3-bedroom floor plans, extra wide living spaces, and incredibly rare 14-foot-deep terraces. The intimate residential experience is complemented by private beach service, state-of-the-art fitness & wellness facilities all serviced by five-star trained concierge partners.

Complete views of the breathtaking ocean blending with the open sky are provided by the floor to ceiling windows in each residence. The views inspire and influence the design of these homes. The light-colored decor appears to change throughout the day as do the spacious areas that embrace the grandeur of the horizon.

Building Features

  • 4 Semi-Private elevators
  • Contemporary designed porte cochère
  • Over 20,000 sf of amenity deck
  • Video surveillance and access control at all points of entry
  • Emergency back-up generator supporting complete life safety systems
  • 24-hour concierge
  • Beach experience attendant
  • Mail room with storage for large deliveries and refrigerated storage for food delivery services

At Salato, nothing is random. Every part of the design, every piece of material, every service, and every amenity is thoughtfully conceived and executed to blend harmoniously. The result is refined elegance that captures the beauty and nature of this oceanside piece of paradise.

Pompano Beach, in Broward County, maintains more than 50 local parks for sports enthusiasts or those who have a penchant for outdoor relaxation. Local attractions and shopping in Pompano Beach provide myriad entertainment options.

Annual special events include a holiday boat parade in December, seafood festival in April, and a fishing rodeo in May.

Pompano Beach’s real estate market offers potential homebuyers some of the most beautiful waterfront homes in the region. Single-family homes that offer direct access to the ocean are perfect for buyers with small or large vessels. Homes fronting the Intracoastal Waterway and single-family residences that have access to ocean canals are also available and may or may not feature fixed bridges. The Heart of the Gold Coast is tucked snugly between the cities of Fort Lauderdale and Boca Raton.

View Condos for Sale at Salato Pompano Beach below.  Call Kim Bregman at 561-251-7170 for a private showing.


Sorry we are experiencing system issues. Please try again.

Benefits of Home Automation

Home automation is increasingly popular as technology improves and devices become more affordable. Smart home automation works by connecting various devices in your home to a central hub or directly to a network. These devices can then be controlled remotely through a smartphone app, voice assistant or web interface.
Smart home components like security or climate control can be integrated with other smart devices, like your home entertainment system. This allows you to create a comprehensive and integrated smart home system that can automate many different tasks.
There are tons of reasons you may want to invest in home automation, but they generally fall into four categories.
  • Convenience. This is one of the primary reasons people start down the smart-home path. It just makes life a little easier when your home automates all the mundane tasks you used to have to do on a day-to-day basis.
  • Safety. A lot of smart-home technology is centered around your home’s security system, and there’s a good reason for that. No one piece of security equipment will protect your home comprehensively, but a network of pieces of equipment all working and thinking together can.
  • Sustainability. A lot of energy is wasted when you leave the lights on or keep your AC running when you’re gone for the weekend. A truly smart home will adjust itself to your habits and make sure your environmental impact is a little lighter.
  • Savings. You waste a lot of money when you leave things running unnecessarily. Your smart home will improve your economic efficiency by helping you remember to turn things off or down when they’re not needed
Here’s some of what the marketplace currently has to offer:
  • Detectors – Smart detectors provide peace of mind, so you aren’t left worrying that you forgot something. Smoke and carbon monoxide detectors are vital additions to any home. Gas and water leak detectors are good additions as well.
  • Heating and Cooling – With the initial success of 2011’s Nest Learning Thermostat, this product category is most associated with home automation.
  • Lighting – With the ability to control lights through your tablet or phone, intelligent lighting has become the initial step many take in setting up smart home technology.
  • Security Systems – This area has taken home automation to the next level. A lot of the newer, more advanced smart home tech is in this category, with keyless entry, camera equipment, and more. D
  • Hubs – Hubs, for the most part, are what tie your systems together. .
  • Appliances – Get a text message from your washer when a load finishes. Have your fridge create your grocery list for you. Shut the coffee pot off from work. Smoke a brisket for a few hours while remotely controlling its temperature. All possibilities with smart appliances.
  • Energy Management – Track your energy use and make changes in real time, from any location.
  • Lawn and Landscape Care – Control your pool cleaner, mow your lawn or set the irrigation system, all via smartphone app.
  • Window Coverings – Automatic shades and blinds timed to open or close with your bedtime or wake up call.
Technology experts say that tomorrow’s smart homes will have more seamless smart home device integration, more intelligent home appliances and gadgets, movement into the virtual world, and increased customization, efficiency, and control.

Confused About Flood Insurance?

The National Flood Insurance Program is a pre-disaster flood mitigation and insurance protection program designed to reduce the escalating cost of disasters. The National Flood Insurance Program makes federally backed flood insurance available to residents and business owners. Standard flood insurance by the National Flood Insurance Program generally covers physical damages directly caused by flooding within the limits of the coverage purchased. Private providers may have higher limits or broader coverage compared to National Flood Insurance Program policies.
A flood insurance policy is intended to cover physical damage to your building or personal property “directly” caused by a flood. Flood insurance covers damage caused by hurricanes, rivers, and tidal waters. Flood insurance covers water that rises, wind insurance covers water damage cause by blowing water, rain, etc. that enter or damage the property due to wind damage to the property.
Flood insurance rates are determined by several factors, including:
  • The amount and type of coverage
  • Location and flood zone
  • Design and age of your home
  • Elevation (for homes in high-risk areas built after the first Flood Insurance Rate Maps were drawn)
Losses due to flooding are not covered under most homeowners’ insurance policies. It is recommended that homeowners add a Florida Flood Insurance policy to ensure complete protection of your home in case of a hurricane strike.
In some flood zones, flood insurance is affordable at about $1.40 per day (average is $503 per year), and the U.S. government provides a 100% guarantee.
Flood insurance typically requires a 30-day waiting period on new policies. Here are the exceptions:
  • If flood insurance is being purchased in connection with the creation, increasing, extending, or renewing of your mortgage loan.
  • If your home has been recently designated in the SFHA and flood insurance is being purchased within the 13-month period following a map revision.
  • If flood insurance is required because of a lender determining that your mortgage loan that does not have flood insurance coverage should be protected by flood insurance.
  • If an additional amount of insurance is selected as an option on the renewal bill.
  • If your home is affected by flooding on burned Federal land that is a result of, or is exacerbated by, post-wildfire conditions when the policy is purchased within 60 days of the fire containment date.
Flood risk zones are identified by the National Flood Insurance Program (NFIP) and are divided into the following three categories:
High-Risk Zone
There is at least a 25% chance of flooding during a 30-year mortgage. All homeowners in high-risk zones with mortgages from federally regulated or insured lenders are required to purchase flood insurance.
Zones: A, V
Moderate to Low-Risk Zone
The risk of flooding is reduced but not completely removed. Even if you live in a moderate-to-low-risk zone, it’s recommended that you purchase flood insurance. About 25 percent of all flood insurance claims come from areas with low-to-moderate flood risk. On average, only two inches of water in your home can cause $7,800 or more in damage. Poor drainage systems, rapid rainfall accumulation, and broken water mains can all result in flooding.
Zones: B, C, or X
Undetermined Risk Zone
No flood-hazard analysis has been conducted, but a flood risk still exists. Flood insurance rates reflect the uncertainty of the flood risk.
Zone: D
Only a licensed property and casualty insurance agent can sell NFIP flood insurance. Customers can find a local one using FEMA’s Agent Locator Tool.

Alto Lido

Alto Lido is a luxury home neighborhood on Palm Beach Island, Florida.   Alto Lido is a well-established community, tucked between the Atlantic Ocean and the Intracoastal, features homes of varying ages and styles, all with the enviable Palm Beach lifestyle.

Alto Lido offers large lots, as well as close access to the town park, a deeded beach, and bike trails. It is also within close distance to the Port of Palm Beach and Peanut Island.

Palm Beach has maintained its reputation as a desirable place for the rich and famous to live, work, and play. With some of the best upscale retail stores, refined art galleries and museums, plus five-star dining, Palm Beach truly has it all. Plus, Palm Beach boasts beautiful white sand beaches, beautiful Mediterranean courtyards, and well-kept award winning gardens that the residents and public can enjoy.

Located in Palm Beach County on a barrier island just east of West Palm Beach,  Palm Beach is surrounded by stunning beaches, the Intracoastal Waterway, and features some of the most beautiful estate homes in the world. Residents enjoy boating, private docks and marinas, golfing on lush courses, and shopping on Worth Avenue, which features exclusive high-end designer shops and boutiques, art galleries, and an array of upscale gourmet restaurants. Palm Beach’s tropical climate attracts people year-round, making it an ideal destination for both permanent and seasonal residents. Homes vary from beach-side condos to multimillion-dollar custom estate homes.

Palm Beach is within minutes of the Kravis Center of the Performing Arts, Clematis Street, and Palm Beach International Airport.

View Homes for Sale in Alto Lido below.  Call Kim Bregman at 561-251-7170 for a private showing.


Sorry we are experiencing system issues. Please try again.

2022 Hurricane Preparedness Guide

2023 Hurricane Season
2022 Hurricane Preparedness Guide
Look carefully at the safety actions associated with each type of hurricane hazard and prepare your family disaster plan accordingly. But remember this is only a guide. The first and most important thing anyone should do when facing a hurricane threat is to use common sense.
Know Hurricane Terms:
Hurricane Watch – A hurricane is possible within thirty-six hours. Stay tuned for additional information.
Hurricane Warning – A hurricane is expected within twenty-four hours. You may be advised to evacuate. If so, evacuate immediately.
Storm Surge – Storm surge is simply water that is pushed toward the shore by the force of the winds swirling around the storm. This advancing surge combines with the normal tides to create the hurricane storm tide, which can increase the mean water level 15 feet or more.
Ask your local emergency preparedness office about evacuation plans. Learn evacuation routes.
  • Plan a place to meet your family in case you are separated from one another in the hurricane.
  • Assemble a disaster supplies kit ( See information below)
  • Board up windows. Permanent storm shutters and impact glass offer the best protection. Also, you can use 5/8″ marine plywood. Tape does not prevent windows from breaking.
  • Know how to shut off utilities.
  • Make a record of your personal property (take digital photos or video tape the contents of your home and/or business and keep in a waterproof container with you along with your homeowners insurance policy or better yet, upload everything to the Cloud)
  • Be sure trees and shrubs around your home are well trimmed.
  • Clear loose and clogged rain gutters and downspouts.
  • Determine how and where to secure your boat.
  • Reduce the water level in your pool by about 1 foot. DO NOT drain your pool.
  • Charge cell phones and back up batteries
  • Get extra cash since ATMs will be inoperative if power is lost.
  • Consider flood insurance and purchase it well in advance.
Have a Place To Go:
Develop a family hurricane preparedness plan before an actual storm threatens your area. If your family hurricane preparedness plan includes evacuation to a safer location for any of the reasons specified with in this web site, then it is important to consider the following points:
If ordered to evacuate, do not wait or delay your departure.
If possible, leave before local officials issue an evacuation order for your area. Even a slight delay in starting your evacuation will result in significantly longer travel times as traffic congestion and weather deteriorates worsens.
Select an evacuation destination that is nearest to your home, preferably in the same county, or at least minimize the distance over which you must travel in order to reach your intended shelter location. In choosing your destination, keep in mind that the hotels and other sheltering options in most inland metropolitan areas are likely to be filled very quickly in a large, multi-county hurricane evacuation event.
If you decide to evacuate to another county or region, be prepared to wait in traffic.
The large number of people in this state who must evacuate during a hurricane will probably cause massive delays and major congestion along most designated evacuation routes; the larger the storm, the greater the probability of traffic jams and extended travel times.
If possible, make arrangements to stay with the friend or relative who resides closest to your home and who will not have to evacuate. Discuss with your intended host the details of your family evacuation plan well before the beginning of the hurricane season.
If a hotel or motel is your final intended destination during an evacuation, make reservations before you leave. Most hotel and motels will fill quickly once evacuations begin. The longer you wait to make reservations, even if an official evacuation order has not been issued for your area or county, the less likely you are to find hotel/motel room vacancies, especially along interstate highways and in major metropolitan areas.
If you are unable to stay with friends or family and no hotels/motels rooms are available, then as a last resort go to a shelter. Remember, shelters are not designed for comfort and do not usually accept pets. Bring your disaster supply kit with you to the shelter. Find Pet-Friendly hotels and motels.
Make sure that you fill up your car with gas, before you leave.
Preparing Your Pets for Emergencies Makes Sense.
Get Ready Now.
If you are like millions of animal owners nationwide, your pet is an important member of your household. The likelihood that you and your animals will survive an emergency such as a fire or flood, tornado or hurricane depends largely on emergency planning done today. Some of the things you can do to prepare for the unexpected, such as assembling an animal emergency supply kit and developing a pet care buddy system, are the same for any emergency. Whether you decide to stay put in an emergency or evacuate to a safer location, you will need to make plans in advance for your pets. Keep in mind that what’s best for you is typically what’s best for your animals.
If you must evacuate, take your pets with you if possible. However, if you are going to a public shelter, it is important to understand that animals may not be allowed inside. Plan in advance for shelter alternatives that will work for both you and your pets.
Make a back-up emergency plan in case you can’t care for your animals yourself. Develop a buddy system with neighbors, friends and relatives to make sure that someone is available to care for or evacuate your pets if you are unable to do so. Be prepared to improvise and use what you have on hand to make it on your own for at least three days, maybe longer.
Disaster Supply Kit
I personally prepare a hurricane closet in May with all the needed supplies and materials so that there is never a last minute rush to the store when the shelves have been cleaned out.
Water :
  • Plan on one gallon of water per person per day for at least 3 days, for drinking, washing, cooking, and sanitation. Extra water for pets
  • Store as much as possible in plastic containers such as soft drink bottles.
  • Avoid using breakable containers, such as glass bottles or mason jars.
  • Fill bathtubs with water for bathing and washing dishes
Food :
  • Store at least a three day supply of non perishable food.
  • Choose foods that do not require refrigeration or cooking.
  • Choose foods that are healthy and high nutrition type.  (Canned meats, fruits and vegetables, protein or fruit bars, dry cereal or granola, peanut butter, dried fruit, nuts, crackers, canned juices, non-perishable pasteurized milk, high enery foods, vitamins, food for infants and pets, comfort/stress foods)
Supplies and Equipment:
  • A battery operated radio with extra batteries
  • NOAA Weather Radio with tone alert and extra batteries
  • A flashlight with extra batteries
  • Blankets or sleeping bags ( store in trash bags to keep dry)
  • Paper plates and utensils, including a non electric can opener
  • Candles and matches in a waterproof container
  • Plastic sheeting and duct tape to shelter-in-place
  • Toothbrushes, toothpaste, soap, moist towelettes, and other personal grooming items
  • Paper towels and toilet paper
  • First aid kit and medicines ( ask your pharmacist or drug supply company for a one month hurricane supply and store in water proof container)
  • Fire extinguisher
  • Wrench or pliers to turn off utilities
  • Cell phone and plug in battery operated charger
  • Infant formula and diapers
  • Books, games and toys to keep kids occupied ( remember those batteries)
  • Important family documents such as copies of insurance policies, identification and bank account records, COVID Vaccine Passport, in a waterproof, portable container
  • Complete change of clothing including long sleeved shirt, long pants and sturdy shoes
  • Insect repellent and sun-screen
  • Paper and pencil
  • Local Maps
  • Make sure to keep all of your medications filled.
Business Preparedness
* Have an emergency communication plan in place before the storm hits. How will co-workers stay in contact if the physical location of a business is damaged?
* Turn off all non-critical work devices before the storm hits.
* Alert a third party about business evacuation plans in case a storm makes it impossible to get to your place of business.
* Protect important business documents that you may need quickly, such as property insurance policies.
* Have cash on hand to pay employees or contractors after the storm.
* Know which employees are certified in CPR, EMT, etc.
* If possible, disconnect a building’s main electrical feeds.
* Have a plan to notify all employees, post-storm, about damage and how you’ll move forward.
* Review contracts that are date sensitive and have a backup plan in place to handle potential problems.
* Assess all functions that could be impacted by a lapse in business – cash flow, bills, budgets and any upcoming events.

How To Save On Homeowner’s Insurance

Homeowner's Insurance
Homeowner’s insurance costs are increasing nationwide and is becoming a larger expenditure in the homeowner’s budget.
Florida homeowners insurance costs vary depending on where you live, the age of your home, your home’s characteristics, and other factors. In addition to the cost of the home, the on-going expense of insuring a property should be a consideration when selecting the home you want to purchase. It may prove beneficial to purchase, for a little more money, a new home with impact glass, a new roof, updated plumbing and electrical and one that is not frame construction.
Several factors affect how much homeowner insurance costs and you can make informed decisions in advance of purchasing a home to minimize the cost of insurance.
Location:  
The closer you are to the ocean or Intracoastal waterway or if you are in a flood zone will certainly increase the risk of water damage and insuring a home.
The amount of coverage and replacement cost:
What you paid for your home has no impact on what you need to insure your home for. The sales price of your home includes land and land cannot be insured for fire, wind, theft, etc.
Furthermore, the market value can be based upon location, age and how strong or weak the market is. That is why it is very important that you insure your home for the replacement cost value of your home or what it would cost to rebuild your home brand-new with current building codes and materials.
Your home’s age and condition:
Your insurance premium may be higher if you have a home that was built before 2000 and the advent of stricter building codes. One reason is that older homes often have features or construction materials that not as weather resistant as newer construction. Another reason is that older homes may have outdated plumbing or electrical systems that insurers view as higher risk. The home’s condition is also important, even if it’s newer. Insurers often pay special attention to the roof, roof configuration, roof systems, etc. because leaks due to a worn-out roof can cause expensive damage inside your home.
Home Design and Upgrades:
Features of the home you are buying, such as impact glass or storm shutters, reinforced roofing and updated utilities can decrease insurance costs. If you already own a home, these types of improvements can help decrease the risk for fire and water damage.
In addition, given that Florida is a hurricane prone state, Florida requires companies to offer discounts through wind-mitigation improvements.
Discounts are available for the following safety features:
  • Roof Shape
  • Roof Bracing of Gable End Roof Deck Attachment
  • Roof Covering
  • Roof-to-Wall Connections
  • Secondary Water Resistance
  • Doors
  • Protection of Openings (windows and other openings)
The initial costs for adding a few of these features can be high, but the long-term financial investment can decrease your Florida homeowner’s insurance coverage costs and make your home safer.
If your house presently has any of these features, you may want to have a home wind-mitigation examination completed to submit to your insurance agent or company to add the additional discounts.
Home security and safety features:
Some companies will offer discounts for having a smoke alarm, alarm system or dead-bolt locks, however a number of companies provide additional discounts if you install a home home generator and/ or a fire and burglar alarm that rings at a monitoring station. These systems can be costly and not every system qualifies for a discount rate. Before you decide to buy such a system, discover what kind your insurer suggests, how much the device will cost and how much you will save on your premiums.
Your credit history:
Establishing a solid credit history can cut your insurance coverage costs. Many customers do not recognize that credit is a factor in how insurance providers evaluate you. Many people do not understand the impact credit plays in insurance coverage and well as mortgage costs, but Insurers have found that policyholders with poor credit tend to make more claims and spend less to maintain their properties.
Due to this finding, most insurance companies reward a favorable credit history with extra discounts, once again lowering your homeowner’s insurance premium.
Your deductible:
Increasing your deductibles will help lower your premium.    Insurance is to cover you for large catastrophic events; by increasing your deductible you will be saving every year. Just make sure you’ve set aside enough money to cover a larger deductible if you need to file a claim—and to cover more minor repairs on your own.
Additional Discounts:
Insurance Companies might offer additional internal discounts. Not every company offers the exact same discounts, and these types of discounts will vary by company if available.
These discounts might include:
·      Discounts for seniors or retirees
·      Gated Community Discounts
·      Accredited Builder Discounts
·      Newer Roof Discounts
·      Companion Policy Discounts
·      Electronic Policy Distribution Discounts
·      Bundling with auto insurance
Your local agent will usually review these with you, but it is also a good idea to evaluate your quote and ask if any extra discounts might be available.
Shop around:
If you’re buying homeowners insurance for the first time, comparing options among several providers is essential. However, don’t focus exclusively on price. It’s also vital to research claims satisfaction among policyholders and exactly what the limits for your coverages are (mold, sinkhole, sewage back-up, et. al.)
Also, when you inquire about a homeowner’s policy, consider your customer experience. Is the agent willing to answer all your questions, discuss your options, and help you decide on a policy that suits your needs?