First Time Home Buyers / Tampa / Home Owners Insurance

Well we are almost to the finish line, but wait, your mortgage company won't let you close on your new home until you insure it. Sounds easier than it really is. In Florida there are several different kinds of Insurance you will need, specific to the Tampa bay area. First you need your basic Fire and Liability Insurance that most people around the country also need. But if you live west of I-75 you will most likely need wind insurance, because of Hurricane possibilities. Closer to the water you will need flood insurance, close to an existing sinkhole area, you guessed it, sinkhole insurance. and if you live on a lake lake wind insurance. This can really add up, so don't wait to the last minute to get a quote. Sellers disclosures usually give you information on what Insurance the current owner needs but with new flood maps being distributed, that is not always the end all to your insurance questions. so ask questions early in your house hunt, and get the right info from your Realtor and your insurance agent.