Homeowners Insurance Nocatee FL

On October 18, 2012, in Homeowners Insurance, by TSGadmin

Buying Homeowners Insurance In Nocatee FL? Me too!

I have just purchased a home in Nocatee Florida and recently secured our Homeowners Insurance. I did notice upon writing our cHome Insuranceontract with the builder that there was a section in the contract where we could opt out of receiving a homeowners quote from the insurance agency that works with the builder. Owning an insurance agency myself, we obviously opted out of this option. A few weeks later we ended up receiving a quote from the builders agency anyway for our new home. Upon reviewing the quote I immediately noticed a few things on the quotes that could really be an issue in the long run. These quotes are sent out to be the lowest in the area and leave off some very important coverages.

“Personal Property Replacement cost” -A VERY important endorsement that was left off the quote. This endorsement to a homeowners policy serves to replace all of your contents in your home for it’s REPLACEMENT VALUE as opposed to the Actual Cash Value. I.E If you purchase your brand new $3,000 sofa and 3 years later your home burns down due to a fire, how much should you expect to receive for the sofa? If you don’t have Personal Property Replacement Cost on your homeowners policy, you could end up with a few hundred dollars due to depreciation and actual cash value. In reality if you want to replace the sofa, a brand new one will still cost you $3,000, This is why REPLACEMENT COST is so important. The entire object of Insurance is to make you whole again. How whole are you going to be with $350 to spend on a new sofa?

“Water Back-up and Sump Discharge or Overflow” – Another endorsement left off our quote. This endorsement serves to protect you from your pipes backing up or overflowing into your home. Most would assume this is an automatic coverage on a homeowners policy but occasionally it is not.

We all want to make sure we are completely covered in the event any of these perils come about. Owning an insurance agency, i was able to shop around for a quality company and a great rate. We ended up Insuring our Property on Kenmore Ave for $300,000 which included the endorsements listed above for around $800 a year. The insurance company has been around for 40 years and is A.M. Best rated! We couldn’t have been happier with the rate.

Please give us a call for a free review of your homeowners insurance policy if you believe you may have received and accepted the same offer. We are your neighbors and we can help! Looking forward to meeting all of you and helping you with Homeowners Insurance In Nocatee FL.

Paying too much for Insurance?

Get a FREE Home insurance Quote!

  

The Salameh Insurance Group

Nocatee FL

904.436.6225

 

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Looking for Cheap Homeowners Insurance in Sarasota Florida? Stay here and chat for a min! Now these days, with our current economic outlook, everyone is looking to save money. Some people will even turn their shoulder to an undesirable company just to save a few dollars. What if we could save money,and still feel secure in our decision? 

Homeowners Insurance

Well luckily we can! We can all do our due diligence when it comes to insurance companies in Sarasota Florida. We can take a look at a company’s strength and rates at the same time. Lets not fall into the category and think we can only have one. There are many homeowners insurance companies that are able to combine great rates with strength of company. Especially when it comes to your fort, why would you consider anything else? 

Now you could do all this research yourself, or you can call an independent insurance agent that you trust. Insurance agents have access to insurance company financials and ratings as well as the ability to obtain their rates for your property. There is great value in insurance agents when it comes to this type of research because agents deal with the companies on a daily basis. Sarasota is an insurance sensitive area due to its geographic region in the state of Florida. Let your agent give you all the information you need to be able to make an informed decision. I hope you will take the advice to heart and don’t get stuck in the storm without a company you trust. If you don’t ask the questions, the agent won’t know what you are looking for. 

The simple truth is: Cheap homeowners Insurance in Sarasota Florida is attainable! Give us a try!

The Salameh Insurance Group

904.436.6225

Click here for a quote!

Homeowners insurance in St Johns FL

On August 21, 2012, in Homeowners Insurance, by TSGadmin

Shopping for Homeowners Insurance in St Johns Florida?

The Salameh Group

Here are some things to consider. The St johns areas including Julington Creek and Nocatee are some of the fastest growing and most desirable communities in the entire United States. There are many families moving to these areas on a daily basis. So lets take a few minutes and chat about some things to look for when buying or building a new home. Utilizing these tools will help you now and down the road when selecting proper insurance policies.

Some small things to take into account:

                    Construction: Most people don’t consider the construction of the home when buying or building. For instance, rates on a brick or masonry home are less expensive than on a Frame or masonry/veneer home. Not to mention, concrete block construction helps on the energy bill as well. These things are becoming a bit more important as our rising energy and food costs continue to decrease the disposable income percentages within households.

                    The roof is another aspect which can help you save money both in the short and long term. If you are unfamiliar with the different roof geometric shapes you can watch a short 1 minute video HERE. Having a hip roof saves money due to the risk of damage in a windstorm. If you looked at the video, you would notice wind would affect a hip roof much less than a gable roof and this definitely shows in the rates. I hope we were able to help with just a few tips during your homeowners insurance or new home search. Please contact us for a free evaluation on your homeowners insurance policy, we are located right in the heart of St johns Florida near Julington Creek .

The Salameh Insurance Group

St Johns Florida

904.436.6225

Get A Quote

Auto Insurance Companies in Jacksonville Fl

On August 6, 2012, in Auto Insurance, by TSGadmin

Auto Insurance ValueAuto Insurance Companies especially in Jacksonville can sometimes bring a negative connotation in ones mind. Do you feel that your auto insurance rates continue to rise and there is always some illegitimate excuse as to why they are rising? 

Take a few minutes and learn all the different reasons why this happens and what you can do to save yourself the headaches.

First, find an independent Insurance Agent in your area whom you have repport with and trust. The difference between an independent agent and a captive agent such as an all state or state farm agent is the availability of companies within the agency.
Auto insurance companies such as those two mentioned only use exclusive agents to sell the product. Therefore you can only buy an allstate auto policy from an allstate agent.
Independent agents are just that. We are contracted with many auto insurance companies and have a much more advantageous ability to find the best rates for you or your family’s situation.

Next, keep in mind that rates change all the time, especially here in Florida. Check with your agent and inquire about any future scheduled rate increases that any of the Auto insurance companies have made them aware of. That way, we can keep this in mind when selecting an auto insurance company.

Before selecting a company, don’t always go for the cheapest. Understand the policy you are purchasing and exactly what it covers.

We believe if you keep this in mind, you will be steps ahead of the game in purchasing your next auto insurance policy. The Salameh Insurance Group in Jacksonville Florida has an extended list of great auto insurance companies to choose from that will support any desire you have.

The Salameh Insurance Group
Jacksonville, Florida
904.436.6225

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New insurance Website | The Salameh Insurance GroupThe Salameh Insurance Group has just launched a New Insurance website thats been re-engineered and improved. Come on over and take a look around. Here are a few cool things to take a look at. Browse around our different types of insurance pages and get a grasp on what The Salameh Insurance Group has to offer. Submit your information for a free Auto or Homeowners insurance Quote. When you have had a great experience with our services, please leave us a testimonial on right on the homepage!  You can subscribe to our mailing list and even download my Book “Insurance: Who Knows?’ for FREE ($47 value! ). 

By choosing to work with The Salameh Insurance Group, we will save you time and money. We pride ourselves in taking care of our customers, so we partnered ourselves with the top – rated auto insurance carriers in Jacksonville, Florida all of which are more than capable of taking care of you and your family.

We are committed to protecting your home, We work closely with more than 15 of the top homeowner insurance carriers. With a wide variety of insurance carriers to choose from and our expertise, we will find the perfect plan for you.

Check out our Intro video right on the home Page of the New Insurance Website and see just what The Salameh Insurance Group believes in. We believe you will benefit from the structure and dynamics of our new site, and find value in our site with it’s ease of use. We hope you enjoy the new insurance website and please leave us a comment and let us know what you think! We at The Salameh Insurance group would love to service your security. Please Call us to inquire how we can you not only save money but find value in your Insurance again! Get a quote HERE.

The Salameh Group

904.436.6225

Chris has been our agent for almost two years. We could not have been better served! Chris was responsive—always available when needed; he was thorough—knew what we needed before we did; and he was always willing to figure out how to make things work. With Chris, we know that we have someone who is competent, who cares about us, and whom we trust.

- Pat H. and Dennis F.

The Salameh Insurance Group provides exceptional service above and beyond ‘other’ competitors. I will continue to recommend my friends and family to use The Salameh Insurance Group for all of their insurance needs.

- W. Michael & H. Michael

The Salameh Insurance Group reduced my company's insurance expense considerably and improved the quality of our coverage. Chris has your best interest in mind and treats you like you are his only client.

- Kipp H.
VP Bio-Haz Solutions, Inc.