GreatFlorida Insurance - James Cimorelli - Palm Coast Insurance

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James Cimorelli - Palm Coast, FL


160 Cypress Point Pkwy | C-102
Palm Coast, FL  32164
Fax : 386-446-0355

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Homeowners Insurance Palm CoastHomeowner's Insurance | Palm Coast, FL

Homeowner's Policy Coverages

A Palm Coast Homeowner's Insurance policy is designed to cover the structure of your home, and includes protection for various kinds of Personal Property as well as Liability coverage. Want to know more? Give us a call at 386-446-0317 to speak to a local agent.

Home Insurance Coverage — What Is Covered

Standard home insurance coverage policies provide the following types of coverage, up to the limits outlined in the policies:

  • Dwelling — Pays for damage or destruction to your house and any unattached structures and buildings. Examples include fences, attached garage, or patio cover.
  • Personal Property — Covers the contents of your house, including furniture, clothing and appliances, if they are stolen, damaged, or destroyed.
  • Liability — Protects you against financial loss if you are sued and found legally responsible for someone else's injury or property damage.
  • Medical Payments — Covers medical bills for person(s) injured on your property.
  • Loss of Use — Pays for additional living expenses if your home is uninhabitable due to a covered loss. Most standard Palm Coast Homeowner's Insurance policies pay 10% to 20% of the amount of your Dwelling coverage.

Does my policy cover hurricane damage?

Yes, your homeowner’s insurance policy will cover damages cause by windstorms. The deductible for hurricane damage can range from 2% to 10% of the insured value of the dwelling depending on the policy.
NOTE: Hurricane damage is normally covered, but may be rejected in certain situations.

What does the hurricane deductible mean?

This is the amount that you, the policyholder, will have to pay out of pocket. For example, if your home is insured for $250,000 with a 2% wind deductible and has hurricane damages of $50,000.
The amount of the deductible will be 2% X $250,000 = 5,000.

The remaining amount ($45,000) would be paid by the insurance policy. What factors can affect Palm Coast Homeowner's Insurance premiums?

Home Features and Characteristics — The age of your home, type of structure, wiring, roof, garage, etc., can affect your Palm Coast Homeowner's Insurance premium. Older homes can often cost more to insure, and those costs can differ depending on whether your home is brick, frame, stone or has synthetic siding.

Location — Where your home is located can change your Palm Coast Homeowner's Insurance premium. For example, your home insurance rate can be affected if your home is in close to a fire station; is exposed to extreme weather, such as hurricanes, tornadoes or earthquakes; or is in a neighborhood more prone to theft.

Protective Devices — Burglar alarm systems, smoke detectors, fire extinguishers, sprinkler systems and deadbolt locks can lower your Palm Coast Homeowner's Insurance premium.

Personal Factors — What you do can affect your Palm Coast Homeowner's Insurance premium, too. For instance, smokers may pay more for home insurance than nonsmokers. A good credit history also can lower what you pay for home insurance.

Claims History — If you have a history of claims on a Palm Coast Homeowner's Insurance policy, you may pay a higher premium.

Discounts and Special Programs

There are many discounts are available on Palm Coast Homeowner's Insurance policies. For example, you may qualify for a discount if your home has an updated roof, a monitored alarm system, hurricane shutters or impact windows in Palm Coast.

Payment Options

In many instances your Palm Coast Homeowner's Insurance policy can be escrowed in with your mortgage. However, if you need to pay separately, many carriers now offer several convenient payment options.

Does my policy cover floods?

The fact is that Florida homeowner insurance does not cover damage caused by flood, and federal disaster assistance is only offered when the president declares a major disaster (which only happens in 50% of flooding situations).

Unfortunately, most people do not find this out until it is too late. However, flood insurance is available to protect homes and businesses and their contents in communities that participate in the National Flood Insurance Program.

Simply call 386-446-0317 or complete our online quote request form. A GreatFlorida Home Insurance Agent will help you find the best deal for you.

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About Homeowner's Insurance in Palm Coast, FL

GreatFlorida Insurance agents can easily explain the specific needs of your home in Palm Coast, FL. Along with mortgage requirements and the difference between dwelling, personal property, liability, medical payments and loss of use coverage as well as available discounts.

Get a Free Insurance Quote from your local GreatFlorida Insurance agent. They will help you find the most affordable options.

Your home is likely your most costly asset. It contains your belongings and valuables and more importantly your family and cherished memories.

After the overwhelming task of finding a new home in Palm Coast, it can be tempting to settle by purchasing a basic homeowner’s insurance policy that could leave you with inadequate coverage or paying for more coverage than you need.

GreatFlorida Insurance in Palm Coast, FL will make sure your homeowner’s insurance policy will provide adequate coverage to protect your home from fires, hurricanes, break-ins and more. Compensation for your financial loss will allow you and your family to continue living comfortably.

Florida Homeowners  Insurance Blog
by GreatFlorida Insurance

The Super Bowl is the biggest sporting event in the United States. If you plan on hosting the big game, you are not alone. In fact, 45 million people plan to host a Super Bowl party Sunday, according to the National Retail Federation (NRF).

Of course, hosting a house full of guests along with alcoholic beverages and charged emotions will have you playing defense. However, never fear, you have back up.  Homeowners insurance keeps you protected.  Below are possible scenarios for Super Bowl Sunday and how your home insurance covers your belongings and home.

Stolen belongings

While you assume your friends would never steal your stuff, you don’t always know everyone who comes over on game day. Therefore, if your belongings go missing, your personal property coverage pays to replace stolen items.

Incidentally, it might be wise to lock-up any valuables that could easily be taken from your home. “It’s good to snap a photo of your valuables for insurance inventory,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent homeowners insurance agency.


Cooking fires

Super Bowl Sunday is a big grilling day.  The U.S. Department of Agriculture (USDA), reports Super Bowl Sunday as the second largest food consumption day in America, only behind Thanksgiving.

Due to all the activity, distractions occur. If a grill or kitchen fire breaks out, dwelling coverage pays for the cost of damage or destruction to your home.

Man down

As a homeowner, you are responsible for keeping your property safe. Consequently, if someone trips over a rug on the way to the bathroom and twists an ankle, you are held financially responsible. Fortunately, a standard home insurance policy includes $1,000 in medical coverage for injuries to guests, per person. In addition, you also have liability coverage if you are sued for injuries.

“Checking into an umbrella policy might be wise if you frequently host parties. This will curb liability expenses, especially if you own a pool,” suggests Buck, of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

Social host laws

A lasting stat claims Super Bowl Sunday sees 325 million gallons of beer consumed. While Florida does not have social host liability laws unless a minor is involved, remain a vigilant host. Accordingly, visitors should have  transportation in order if they overindulge in drinks.

Keep in mind, being a party host is not always easy but with the proper home insurance party fouls will not ruin your home.

Stay protected in your home with dependable home insurance. Contact a GreatFlorida Insurance agent today at 1-888-478-7801 or complete our free online quote request form at


The post Home Insurance is the Ideal Defense Against Party Fouls appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance

A movement is enticing many Americans from their large residences into smaller homes. The appeal of downsizing is tempting everyone from recent retirees, empty nesters to millennials.

“Since the recession, I believe people are looking to simplifying their lives and cut down on expenses,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

According to the U.S. Census Bureau, the current average house size is 2,467 square feet. That is an increase of almost 1,000 sq. ft. since the 1970’s.

Despite overall growth in house size, for the first time since the recession, home size is shrinking. A less is more ideology is taking hold across the country, ushering in the trend of smaller homes.

Downsizing provides a lower maintenance lifestyle that can save time and money. Notably improving on the quality of life.

So, how do you know if downsizing is right for you?

More Moneydownsize info

Money is always a motivating factor. Most Americans live paycheck to paycheck. Unfortunately, financial hardships unexpectedly happen. If you experience a job loss, disability or divorce, could you afford your current lifestyle?

Downsizing can help create breathing room in your budget. A smaller home can mean spending less on your mortgage and for some paying cash for a new place. You will also spend less on utility bills. Obviously, it requires less money to heat and cool a smaller space.

Another key point, downsizing can also reduce consumer consumption. Do you have too much house? Do you have unused rooms that require staging?


More Time

Do you Feel overwhelmed by the amount of money and time spent to maintain your home? Many homeowners who have downsized comment that their weekends were consumed with house cleaning and yard work. Now they can clean the entire house in a couple of hours.

“A smaller home can make life more manageable,” comments Buck with GreatFlorida Insurance, Florida’s leading independent homeowners insurance agency.

Less time spent on home upkeep, certainly allows for more quality time doing the things you enjoy.

More Comfort

Creating a more comfortable living situation is an attraction to downsizing. Relocating into a smaller home will force most to get rid of clutter and stuff. A liberating process for some and an anxiety inducing moment for others. Are you prepared to surrender some of your belongings?

Also, some Americans reduce the size of their home and seek out luxury amenities. Creature comforts such as high-end finishes, no stairs or a more centrally located dwelling is a strong pull.

However, downsizing is not for everyone. Is your identity tied to being in a spacious home? Is it necessary to have plenty of room for guests?

Downsizing does not make financial sense in every situation. Homeowners often assume if they sell their current place and move into something smaller, they walk away with money, but that is not always the case.

An article from CNBC on the subject of downsizing suggests taking a look at your monthly costs of housing, rather than size alone. “Downsizing provides less opportunity in low-cost areas.” Locations where home prices, taxes and insurance tend to be lower, you could yield little financial gain.

While many see downsizing as moving backward, it can be a step forward for others.

Whether you live in a spacious dwelling or a cozy home, GreatFlorida Insurance provide competitive rates for homeowners insurance. Give us a call today.


The post Does it Make Sense to Downsize? appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance

A new year brings fresh hope in getting life started off right. What better time to confront the intimidating task of de-cluttering your home?

“De-cluttering will make you feel lighter emotionally, physically and mentally,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

Clutter causes stress. An overabundance of stuff can be draining. Less stuff translates into less energy spent organizing and re-organizing and more time spent on the things you enjoy.

De-cluttering your home gives you more control over your life.  It allows you to identify what is really important and what you no longer need hanging around.

“Getting started is often the hardest part,” says Buck, of GreatFlorida Insurance, Florida’s top independent homeowners insurance agency.

For their advice on how best to pare down, Elle Décor contacted home experts to see what they had to say. Some of their suggestions include: Don’t keep anything you wouldn’t pay to move. Let go of “only when” clothing. That is clothing that will fit if you just lose five pounds or a shirt that could make a great Halloween costume.

Additionally, do not keep family heirlooms that you feel guilty about giving away. Also, toss furniture and objects that are associated with exes. There is no need to hang on to items that conjure up memories of the past. Get rid of those items and give yourself an opportunity to create new memories.

Organizing consultant and author Marie Kondo, encourages people to surround themselves with items that offer positive significance to their life. She has created an organizing method based on keeping items that “spark joy,” and doing away with things that have no meaning. Consequently, this will give people a greater appreciation for the things they own.

Notably, she explains in her book, The Life-Changing Magic of Tidying Up, “We should be choosing what we want to keep, not what we want to get rid of.”

Once your perspective on your stuff changes, you can get to work. Certain things might come to mind right away, but if you need a little more guidance, the Today show has provided a list of 100 things to toss, listed room by room.

GreatFlorida Insurance provides homeowners insurance coverage for the things that matter to you and your family. Get a free quote today.


The post De-Clutter Your Home appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance

It’s the most wonderful time of the year. Unfortunately, that sentiment does not prevent disasters from happening. Mishaps during the holidays are all too common. Find out if your homeowners insurance protects you during this festive time of year.


If you fall off a ladder while making your home look merry and bright, chances are you will utilize your personal health insurance coverage. What happens if a neighbor trips over an extension cord running across your yard?

“The medical payments coverage within homeowners insurance pays for guests injured on your property,” says Ellsworth Buck, Vice President of GreatFlorida Insurance. “You also have liability insurance in case you are sued for injuries.



Fires usually start with candle flames, overloaded outlets and dry Christmas trees, the very source of our festive ambiance. The U.S. Fire Administration(USFA) reports December as the peak month for candle fires, with one-third of them starting in the bedroom.

In your homeowners insurance, dwelling coverage pays for damage to your home and any unattached structures such as a fence or attached garage. Personal property will cover your belongings, including furniture and clothing.

“Consider increasing the limits of your homeowners insurance if it was purchased a while back,” recommends Buck with GreatFlorida Insurance.  “Ask an agent to help you identify your home’s current rebuilding costs.”


Not everyone this season is in the holiday spirit. Porch pirates are ramping up to steal your packages. NBC News claims an estimated 23 million Americans reported stolen packages over the past year. Having packages delivered to your workplace, tracking packages and requiring a signature will leave porch pirates empty handed.

Personal property within your homeowners insurance will cover stolen items from inside your home or the front porch.

While insurance coverage is not at the forefront of your mind this holiday season, it is comforting to know, the proper homeowners insurance has you covered for unexpected hazards that can occur.

GreatFlorida Insurance agents will make sure you have the adequate homeowners insurance to keep you and your family protected throughout the holiday season. Call us today.


The post Are You Covered for Holiday Calamity? appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance

No act of kindness, no matter how small is ever wasted.” Aesop

November 29 is Giving Tuesday, a day specifically set aside to limit shopping and donate. Quickly gaining momentum, Giving Tuesday started in 2012 and annually falls on the Tuesday after Thanksgiving. Notably, 700,000 people took part in raising $116,000,000 online with 70 countries participating last year.

“The idea is to shift the focus of the holiday season from receiving to giving,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

In fact, the Giving Tuesday website describes this global day of giving as a way to, “Kick off the charitable season, when many focus on their holiday and end-of-year giving.”

How Do You Participate?

Giving Tuesday, encourages the giving of time, money or talents. The website lists over 1,400 small businesses, schools and non-profits participating across Florida. In fact, you can narrow your search to find out what is happening your community.


Donate-Give money to a local or national charity. Where is your passion? Homelessness, suicide prevention, the environment, civil rights. With this in mind, put your money where your heartaches.

“If  donating to a national charity is your preference, a website such as Charity Navigator vets charities allowing you to give wisely,” says Buck with GreatFlorida Insurance, Florida’s leading independent homeowners insurance agency.

However, feeling a little tight on funds? Consider giving your time volunteering. Assisted living facilities and animal shelters are always looking for volunteers.

Donate blood or become an organ donor. Giving Tuesday is a great time to give away your gently used clothes or household items.

Make it personal- Set aside this day of giving to spend time with an older relative or friend. Offer to babysit a neighbor’s children. Bake cookies for a friend.

The entire family can participate. Teaching children the importance of generosity ultimately helps them become less self-focused and in touch with the world as well as the abundant needs of others.

Giving by and large enhances the life of the receiver as well as the giver therefore, making our world a more compassionate place.

GreatFlorida Insurance offers a wide variety of homeowners insurance options to suit your lifestyle. Call our agents today to find an affordable policy today.




The post Generosity Thrives on Giving Tuesday appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance

The most important facet of Thanksgiving is expressing gratitude. Unfortunately, the sentiment gets lost when an awkward situation arises.

“Learning to navigate your way through a difficult situation over the holidays, helps to keep the peace and spread amity,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

In the event that your dinner becomes uncomfortable, below are some tips for a graceful Thanksgiving.

Change the Conversation

Presidential election years produce a turbulent environment with friends and family. Mostly likely those you are gathering with are divided along party lines. As told to NPR, Miss Manners, aka Judith Martin advises people to follow the age-old rule, “don’t talk politics.”

However, politics is not the only hot button topic to cause a fracas. Family issues, unsolicited advice and critical responses can ruin civility. Try to practice restraint in conversations. Keep discussions light and recount to others why you are thankful.

“I would like to take this time to express my sincere gratitude to our amazing GreatFlorida Insurance agents and staff for all their hard work to make GreatFlorida a success. I also want to thank all of our customers, it is our honor and pleasure to serve you,” says Buck.


Food Fails

While Thanksgiving is a day of appreciation, it revolves around the feast. Epic food fails are ripe for the occasion. Bustling activity in the kitchen, can cause you to forget something in the oven or forget something is in the oven.

With this is mind, delegate table setting and drink re-fills, giving people a job and getting them involved. Ask others to bring their specialty side dishes, drinks or desserts.

Food fails are heartbreaking. The time, money and effort put in to making a dish and suddenly- it’s gone. If this happens to you, Thanksgiving is not ruined, reframe your thinking. Let your disaster become the source of laughter, creating memorable situations and photos.

Re-evaluate Traditions

If maintaining certain traditions is causing stress and exhaustion, change is necessary. For instance, catering to specific dietary restrictions and scheduling needs can quickly lead to frustration.

In an article for Psychology Today, Dr. Karen Rancourt revealed, “It is surprising how many family members willingly accept, adapt and even embrace new approaches that replace frustrating, upsetting or exhausting traditions.” She suggests, “Create new traditions that better reflect family members’ evolving and changing needs.”

GreatFlorida Insurance offers competitive prices on Florida homeowners insurance. We work with reputable companies across the U.S. to find the right policy for you.


The post Taking the Awkward Out of Thanksgiving appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance

With the holidays coming up, food budgets can easily get out of hand. However, you don’t have to turn away guests or hang up your oven mits to save money.

“Creating a food budget doesn’t mean you have to go without,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

Notably, financial expert Dave Ramsey, recommends spending 5-15 percent of your take home pay on your food budget. This includes the grocery store as well as restaurants.

While you want to save money, you also want to be reasonable. Start with some small goals, such as spending $20 less this month than the previous month.

Some realistic ideas for reducing your food budget are listed below.  Read through the list and find suggestions that might work for you and your family.

  • Start by making a food budget for groceries and dining out.
  • Make a grocery list and stick to it. Up to 40 percent of grocery store purchases are impulse buys.
  • Bring a lunch to work or school.
  • Meal plan- Set aside some time to plan out meals for the week and write down the ingredients you will need.
  • Eat out less often. Try making pizza at home, it is a fun activity the family can enjoy together.
  • Utilize leftovers, 40 percent of food in America is wasted annually according to Feeding America.
  • Forget brand loyalty. Consumer Reports found over the years, a wide variety of store brands are just as good as name brands. You can also save an average of 25 percent.
  • Try a different grocery store and compare prices.
  • Check unit prices (price per ounce or pound) when you see an item on sale, to determine if it is really a deal.
  • Visit the grocery store as little as possible. Most people end up with one or two extra products they didn’t plan on purchasing when going to the store.

vegetables in a box

“You can successfully cut your food bill without sacrificing your health, says Buck, of GreatFlorida Insurance, Florida’s top independent homeowners insurance agency. “Some changes could actually benefit your overall health more than your pocketbook.”

  • Meal prep, cooking meals ahead of time and freezing them will prepare you for the week and could reduce a fast food stop.
  • Limit alcohol, having more in the cabinet could cause you to drink more.
  • Grow your own produce or regularly used herbs.
  • Spend time in the kitchen. Making your own snacks and keeping fruit on hand is healthier and can save you money on prepackage snack foods.
  • Buy in-season produce or purchase it frozen. Check out this seasonal produce guide.
  • Scale down dinner. Dinner does not have to be a four course meal, keep it light with salad and sandwiches.
  • Reduce portion sizes, try using a smaller plate or bowl.
  • Eat less meat, try going vegetarian a couple of nights a week.
  • Don’t shop hungry or your shopping trip will be filled with foods to satisfy your current cravings.

Agents at GreatFlorida Insurance can help you find an affordable homeowners insurance policy to protect your investment.


The post Trimming Your Food Budget appeared first on The GreatFlorida Insurance Blog.