Coastal Insurance Solutions

Save money on your Florida
Homeowner Insurance!

the problems that we commonly see is most of the insurance agencies or customer service representatives [CSRs] are not providing their clients with all of the different quote options that are available thus the client is not saving all that they can.

There are Options:

We believe that the customer should know that there are other options that are available for them as long as they understand what the coverages are and how these changes in coverage might affect them at a time of a loss. Keep in mind that there are instances when the amount saved doesn’t always justify
having the policy with the altered coverages, although we rather the client make that decision instead of us.

Everyone has their own insurance philosophy so we believe that the customer should be able to see all of the quote options that are available before they select their policy. Basically it would be like if you wanted to buy a particular car yet the dealership was trying to sell you the car that was fully loaded with DVD Players and navigational systems that you do not necessarily need or want etc.

The bottom line is we have clients that want to know that they have the proper coverages in place in the event that there is a total loss. We will give you all of the different quote options so you will be able to see whether or not there is a considerable savings if we were to alter some of the other coverages in the policy that you may not necessarily need or want. We are adamant that your home is insured at the proper value and the dwelling is insured on a replacement cost basis but the end result will be that you will select a homeowner insurance policy that fits your individual needs and budget.

Windstorm Mitigation Inspections:

We strongly recommend that all homeowners have a windstorm mitigation inspection completed in order to lower their homeowner insurance premiums. This inspection may help to lower your premium immensely. We have several inspectors that we can refer you to that perform the inspections statewide. The cost for the inspection is usually around $100 - $150.

Start Saving Today!

Call 1-888-920-1152, e-mail us: info@cisfla.com
or complete our online request a quote form.

The Florida Homeowner Insurance Market is “Softening”

We have access to numerous “A” Rated insurance companies that are aggressively writing “new business” in Florida. The Florida insurance market is actually softening quite a bit compared to the last few years. Due to the relatively light catastrophe activity in 2006 and 2007 there appears to be great capacity in the reinsurance market, thus allowing for insures to lower there rates yet all of this is subject to the outcome of the 2008 Hurricane Season.

Or is it?

On one hand we are seeing new homeowner insurance companies entering the Florida market and many homeowner insurance companies are actually loosening their underwriting guidelines in hopes to write more new business. And on the other hand we are still seeing numerous insurance companies like State Farm, AllState, Nationwide, and Balboa that are “dropping”, canceling, and non‐renewing their policy holders.

If you are being “dropped”, canceled, or non‐renewed by State Farm, AllState, Nationwide, and Balboa. We will be able to provide you with at least 6 different homeowner insurance quotes from at least one of the insurance companies listed below: ASI/American Strategic Insurance, Citizens Property Insurance Corporation, Coral Insurance, Edison Insurance, Olympus Insurance, United Property & Casualty and Universal Property & Casualty. We also have access to several different Lloyd’s of London programs along with Lexington Insurance, AIG, and Chubb. We can insure any home regardless of its age, construction type or value. We have extremely competitive programs for “high value homes” as well. The homeowner insurance quotes that you will receive from Coastal Insurance Solutions will be displayed on an easy to read Quote Summary form.

The difference:

You will notice the difference at Coastal Insurance Solutions because we understand what you are going through as a Florida resident during these difficult times. Between the housing/mortgage crisis, the increase in property taxes, and the constant turmoil in the Florida Insurance Market you need an insurance agency that understands the importance of its role in helping Florida Citizens save on their homeowner insurance premiums. Remember we pay the same premiums that you pay so essentially we are all in this together and if we can help you save while you help us grow our business we both win. At Coastal Insurance Solutions it is not about selling you the most expensive policy it is about helping people when there is an opportunity to do so.

All of these other insurance websites seem to use the word “cheap” and we can’t stand the word "cheap", but many consumers want to know that they are getting the best rates around, so here you go.

We sell “Cheap” Florida Homeowners Insurance!

We will: Customize the right policy for your individual needs.

We will: Help you save considerably on you homeowner insurance premiums.

You will receive: Excellent customer service.

We are: Always accessible.

We are: Passionate about helping our clients.