{"id":1136,"date":"2013-06-12T19:27:09","date_gmt":"2013-06-12T23:27:09","guid":{"rendered":"http:\/\/rtcinsuranceadvisors.com\/blog\/?p=1136"},"modified":"2013-07-04T22:43:38","modified_gmt":"2013-07-05T02:43:38","slug":"why-is-getting-homeowners-insurance-in-florida-so-hard","status":"publish","type":"post","link":"http:\/\/rtcinsuranceadvisors.com\/blog\/why-is-getting-homeowners-insurance-in-florida-so-hard\/","title":{"rendered":"Why is Getting Homeowners Insurance in Florida So Hard?"},"content":{"rendered":"<p style=\"text-align: justify;\">In this world of abundance, it\u2019s frustrating when you search for something and don\u2019t get the results you are looking for right away.\u00a0 In the insurance business, there are several factors that make you ask the question, <em>Why is getting homeowners insurance in Florida so hard<\/em>?\u00a0 Don\u2019t despair, sometimes it\u2019s not easy finding insurance.\u00a0 Here are a few reasons why this is.<\/p>\n<p style=\"text-align: justify;\">\u00a0<\/p>\n<p style=\"text-align: justify;\">Agencies Lack of Carriers<\/p>\n<p style=\"text-align: justify;\">\u00a0<\/p>\n<p style=\"text-align: justify;\">Most often, agencies simply don\u2019t have the right company to place your insurance with.\u00a0 Even though you might be talking to a specialist, he or she may be working for a company that isn\u2019t<img loading=\"lazy\" decoding=\"async\" style=\"background-image: none; float: right; padding-top: 0px; padding-left: 0px; margin: 10px 0px 10px 10px; display: inline; padding-right: 0px; border: 0px;\" title=\"Why is Getting Homeowners Insurance in Florida So Hard\" alt=\"Why is Getting Homeowners Insurance in Florida So Hard\" src=\"http:\/\/rtcinsuranceadvisors.com\/blog\/wp-content\/uploads\/2013\/06\/Why-is-Getting-Homeowners-Insurance-in-Florida-So-Hard.jpg\" width=\"350\" height=\"230\" align=\"right\" border=\"0\" \/> independent.\u00a0 They are captive to one or two companies, so their offerings are limited.\u00a0 If you request quotes from limited agents, your stress level will rise, making you think there aren\u2019t any options.\u00a0 We all know that the national carriers aren\u2019t writing homeowners insurance in Florida due to risk, but there are many A rated regional carriers vying for your business.\u00a0 You just need to talk to the right agents like RTC Insurance Advisors.\u00a0 We currently work with the top 37 homeowners carriers to help you attain the best rate and give you more choice.<\/p>\n<p style=\"text-align: justify;\">\u00a0<\/p>\n<p style=\"text-align: justify;\">No Capacity<\/p>\n<p style=\"text-align: justify;\">\u00a0<\/p>\n<p style=\"text-align: justify;\">Now that you know about step one, go with an agency that has options for you, we need to also address capacity issues with homeowners insurance carriers.\u00a0 Getting back to the mention of the captive agent, if the companies they offer aren\u2019t writing business in your zip code, then you are left with no quotes.\u00a0 From time to time, these A rated regional companies take on so much risk or new applicants, that they reach what\u2019s known as capacity.\u00a0 Capacity means that the company will no longer accept new applications in a certain area to enable them to stay within their re-insurance requirements.\u00a0 If there is a catastrophe, the insurance company needs to be certain they don\u2019t have too many homes to payout claims on.\u00a0 This prevents you from applying with them.<\/p>\n<p style=\"text-align: justify;\">\u00a0<\/p>\n<p style=\"text-align: justify;\">Type of Home<\/p>\n<p style=\"text-align: justify;\">\u00a0<\/p>\n<p style=\"text-align: justify;\">Another main reason why we have so many carriers is because each company has different underwriting guidelines.\u00a0 Let\u2019s say you can\u2019t find insurance because your roof is over 15 years old.\u00a0 Most carriers require homes to have been re-shingled within 15 years, but some companies give you 20 years.\u00a0 Homeowners get their policy cancelled over this.\u00a0 Another reason may be that your electric has aluminum wiring.\u00a0 While some carriers don\u2019t allow this, others do.\u00a0<\/p>\n<p style=\"text-align: justify;\">\u00a0<\/p>\n<p style=\"text-align: justify;\">All in all, check with us at RTC Insurance Advisors for a quote.\u00a0 You can call us at <strong>352-200-2066<\/strong>.\u00a0 We will make sure to get you the right policy.\u00a0 You will be happy you made the call or filled out our quote request form below.\u00a0 By doing this, you won\u2019t have to ask the question, <strong>Why is getting homeowners insurance in Florida so hard<\/strong>?\u00a0 It will no longer be the case.<\/p>\n<p style=\"text-align: justify;\"><script type=\"text\/javascript\">\/\/ <![CDATA[\nvar __machform_url = 'https:\/\/rtcinsuranceadvisors.com\/machform\/embed.php?id=11504';\nvar __machform_height = 1318;\n\/\/ ]]><\/script><\/p>\n<div id=\"mf_placeholder\" style=\"text-align: justify;\">\u00a0<\/div>\n<p style=\"text-align: justify;\"><script type=\"text\/javascript\" src=\"https:\/\/ajax.googleapis.com\/ajax\/libs\/jquery\/1.6.1\/jquery.min.js\"><\/script><br \/>\n<script type=\"text\/javascript\" src=\"https:\/\/rtcinsuranceadvisors.com\/machform\/js\/jquery.ba-postmessage.min.js\"><\/script><br \/>\n<script type=\"text\/javascript\" src=\"https:\/\/rtcinsuranceadvisors.com\/machform\/js\/machform_loader.js\"><\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>In this world of abundance, it\u2019s frustrating when you search for something and don\u2019t get the results you are looking for right away.\u00a0 In the insurance business, there are several factors that make you ask the question, Why is getting homeowners insurance in Florida so hard?\u00a0 Don\u2019t despair, sometimes it\u2019s not easy finding insurance.\u00a0 Here [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[3],"tags":[205],"class_list":{"0":"post-1136","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-homeowners-insurance","7":"tag-why-is-getting-homeowners-insurance-in-florida-so-hard","8":"entry"},"_links":{"self":[{"href":"http:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/posts\/1136","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/comments?post=1136"}],"version-history":[{"count":3,"href":"http:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/posts\/1136\/revisions"}],"predecessor-version":[{"id":1283,"href":"http:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/posts\/1136\/revisions\/1283"}],"wp:attachment":[{"href":"http:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/media?parent=1136"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/categories?post=1136"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/tags?post=1136"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}