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A. L. Saland Insurance Solutions, Inc Blog

Tips for First-time Homeowners Looking To Buy Home Insurance in Florida

As a first-time homeowner in Florida, you may wonder what kind of home insurance coverage you need. A. L. Saland Insurance Solutions Inc can help you get the right coverage for your needs and budget.

Know What Kind of Coverage You Need

There are a few things to consider when determining how much coverage you need for your home insurance. The first is the value of your home and possessions. An appraisal or a home inventory can determine this.

The second is the amount of liability coverage you need. This amount will depend on factors such as the value of your assets and the likelihood of someone suing you. The third is the deductibles you are willing to pay. Higher deductibles will lower your premiums, but you must pay more out of pocket if you make a claim.

Finally, you should consider any special risks that apply to your situation, such as whether you live in a flood zone or an area prone to wildfires.

Bundle Up

When buying home insurance for the first time, ensure you get the best possible deal. One way to do this is to bundle your home insurance with other types, such as auto or life insurance.

Bundling can often save you money on all your premiums and make it easier to keep track of your coverage. In addition, bundling can give you peace of mind by knowing that all your assets are protected in one place.

Get Home Insurance in Florida

A. L. Saland Insurance Solutions Inc can help you find the right home insurance coverage for your needs and budget. We will work with you to make sure you have the protection you need and that you are getting the best possible deal. Give us a call today to get started.

What Are The Threats Of Not Having Home Insurance?

Unlike car insurance, homeowners insurance is not mandatory. However, having this insurance is a smart decision because it is one of the smartest ways to protect your home. If you decide to skip it anyway, here is a list of risks you may face: 

It Will Be Expensive To Repair Home

If something happens to your home, and you do not have home insurance, you will have to cover all the expenses yourself, which can be very expensive. 

You Can Be Sued

If a visitor or guest gets hurt on your property, they may sue you for everything you are worth, even including your home. As a result, you may have to pay litigation fees and cover their medical bills. However, if you have insurance, there is nothing to worry about  – your policy will cover everything. 

You May Lose Your Belongings To Burglary 

If someone breaks into your home and steal your personal belongings, your loss will not be covered, and your personal stuff will not be replaced because you do not carry home insurance. Unfortunately, this happens more often than you think, so skipping home insurance is quite risky. 

Violation Mortgage Clause

Most mortgage lenders require homeowners to have proper home insurance. Therefore, failing to maintain insurance can be grounds for foreclosure. As a result, you may be at risk of losing your home if you decide not to purchase home insurance. 

A. L. Saland Insurance Solutions Inc in Florida – Your Safety Is Our Priority

If you are a homeowner from the state of Florida and you are searching for an insurance company to purchase home insurance, A. L. Saland Insurance Solutions Inc is the right place to contact. Our qualified and experienced insurance agents are ready to answer your questions and help you find an insurance plan based on your needs. You can visit our website for more information or give us a call. 

4 Popular Myths About Home Insurance

When shopping for home insurance in Florida, you must have come across numerous pieces of information. The truth is some info is valid while the rest is not so helpful. But because separating home insurance myths from the truth can be challenging, A. L. Saland Insurance Solutions Inc. is here to set the record straight by debunking common myths about home insurance that are sold as the truth. 

Standard home insurance covers flood damage.

Many homeowners aren’t aware that the typical home insurance doesn’t cover flood damage resulting from overflow from nearby water bodies. While home insurance may cover water damage resulting from burst pipes and appliances, you may have to buy a separate flood insurance policy to protect you against overland flooding.

The medical payment on your home insurance covers injuries for you and your family members.

While it’s true there is medical coverage in your home insurance, it’s usually a liability coverage that protects third parties and not you and your family members. For instance, if a guest slips and breaks their leg while on your premises, the medical payments coverage pays for their medical costs. 

All of your valuables are covered damage or loss occurs.

Home insurance covers damage or loss to personal assets such as furniture, electronics, and clothing when a covered loss strikes. However, for high-value items like art, silverware, guns, and jewelry, most home insurance coverages only provide limited coverage. As such, you need to talk to your agent to add a floater for optimal coverage.

Home insurance is required by law.

While mortgage lenders may require you to purchase home insurance as long as the loan liability is outstanding, there is no state or federal law that requires homeowners to purchase home insurance. 

Would you like to protect your Florida home with home insurance? You can trust A. L. Saland Insurance Solutions Inc. for all your home insurance solutions. Contact us today for a competitive quote.

Why Work With Us?

  • Locally owned and operated
  • Works with multiple carriers
  • Combines policies for best rates
  • Customer friendly services
  • Print out your auto ID cards from home, anytime!


Partner Carriers

  • Aetna
  • Aflac
  • Allstate
  • Banner
  • Cabrillo
  • Cigna
  • Citizens
  • Edison
  • FedNat
  • Florida Peninsula
  • Gainsco
  • GeoVera
  • Guardian
  • Hagerty
  • Heritage
  • MetLife
  • Monarch
  • Neptune
  • Safeco
  • Security First
  • Tower Hill
  • Travelers
  • TypTap
  • Universal PC
  • Wright Flood