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Homeowners Insurance Quotes in Palm Coast, FL

James Cimorelli, Agent


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

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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

In case you have not heard, Monday, August 21, a total solar eclipse occurs. “This is the first time a solar eclipse is viewable from the continental U.S. since 1979,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

A solar eclipse happens when the moon passes between the sun and the Earth. According to NASA, this celestial event will last close to 3 hours. Only those on the within the path of totality will be able to view a 100 percent total solar eclipse. That path begins in Oregon and stretches to parts of Montana, Idaho, Wyoming, Nebraska, Iowa, Kansas, Missouri, Illinois, Kentucky, Tennessee, Georgia, North Carolina ending in South Carolina.


What can we see?

The solar eclipse will make its appearance in Florida at 1:15pm. While Florida will not see 100 percent of the solar eclipse, the best view will take place in the northeast part of the state. Jacksonville will view 90.5 percent of the sun covered. Less coverage is seen the further south of the state you are.

“Clouds will cause an obstruction, so we are hoping for clear skies that day,” says Buck with GreatFlorida Insurance, Florida’s top independent homeowners insurance agency.

Protect your eyes

It is easy to blow off the warnings about looking at the eclipse without the proper protection but don’t. While blindness might be an exaggeration, serious eye damage can occur. The National Eye Institute reports, solar retinopathy is a condition caused by staring at the sun. It occurs when sunlight burns and potentially scars the retina. Symptoms include central graying and fuzziness of vision.

The American Astronomical Society (AAS) informs, the only safe way to view even a partial eclipse is through special purpose solar filters such as eclipse glasses or a hand held solar viewer. It is important to make sure your viewing accessories are certified and safe, meeting the ISO 123212-2 international safety standard. Take caution when purchasing solar eclipse glasses. Counterfeit versions are flooding the market. Your solar viewing device must also be free of scratches, punctures, torn or damaged. Public libraries are providing free solar eclipse glasses but most are already gone.

Retailers selling reputable solar eclipse glasses include:


Best Buy

Circle K


Pilot/Flying J

Toys “R” Us


Schools are aware of the dangers the solar eclipse can cause to the eyes and many are moving activities inside during the eclipse. Check with your school to see what precautions they are taking for this rare event.

Contact GreatFlorida Insurance to keep your home and valuable protected with reliable homeowners insurance.


The post What you need to know about the solar eclipse appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance

Most people know Florida as the lightning capital in the U.S. A legitimate claim considering lightning struck seven homes in the Panama City area last week, during a severe thunderstorm. In fact, last year Florida paid out the most in homeowners insurance claims from lightning strikes and electrical surges. 10,385 claims totaled $67.8 million according to the Insurance Information Institute (III).

“As long as your home is sufficiently covered by your homeowners insurance policy, you are covered for lighting strikes and related damage,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency. Actually, lighting falls under “perils” in your homeowners insurance coverage.

Since we are in the midst of storm season, we want to familiarize you with the following tips on how to protect you and your home during a thunderstorm.


Safety Tips

The best place to be during a thunderstorm is inside your home or office. Do not touch anything that can conduct electricity including: electrical appliances, metal surfaces such as a sliding door or anything connected to your plumbing system. Avoid anything served by your gas lines such as water heaters, ovens, furnaces and fireplaces.

Additionally, lightning strikes can be responsible for power surges- a sudden spike in electricity that can cause real damage. Most homeowners insurance policies including those at GreatFlorida Insurance offer financial protection against power surge damage.

As a general rule of thumb, Great Florida Insurance recommends you annually review your homeowners insurance. Make sure your coverage is consistent with the current replacement cost of your home and valuables. In the unfortunate event of a lightning strike and resulting damage to your home.

Lightning Protection System

A lightning protection system is designed to protect a structure. The Lightning Protection Institute (LPI) describes a lighting protection system as, “The highly conductive copper and aluminum materials used in a lighting protection system provide a low resistance path to safely ground lightning’s dangerous electricity.” Essentially, an updated version of the lightning rod.  It intercepts a strike and directs it to the ground without impact to the structure, occupants or contents.

Surge Protection Device

A surge protector offers some safety to your electronics from power surges and strikes. Do not confuse it with a power strip, which merely offers more electrical outlets and does not offer any real protection from electrical issues. explains, surge protectors offer some level of protection against power spikes. The level of protection varies based on how many joules, (unit of energy). “Generally, the more the joules, the better.”

For this reason, protect your home from damage that can occur from lightning strikes, power surges and fire with a homeowners insurance policy from GreatFlorida Insurance.



The post When lightning strikes your home appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance

Beginning midnight on August 4, through 11:59 p.m. August 6, Florida will enjoy a back-to-school sales tax holiday. From Friday through Sunday, tax is exempt from shoes, clothes, some electronics and school supplies.

“Florida legislators were a bit more generous this year by increasing some of the amounts per item,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent home insurance agency.

However, this benefit is not only for students. Anyone buying clothes, shoes, office supplies and computers this weekend can get in on the savings. The National Retail Federation expects back-to-school shopping to hit an all-time high this year. The sales tax discount also applies to eligible items ordered online at places such as,, and

The Florida Department of Revenue provides the details on what exactly is tax exempt.

Back to School Tax Holiday Poster

School Supplies

Tax free school supplies include; pens, pencils, erasers, crayons, notebooks, notebook paper, binders, legal pads, lunch boxes, construction paper, markers, folders, poster board, composition notebooks, scissors, cellophane tape, glue, paste, rulers, computer disks, protractors, compasses and calculator. School supplies must cost $15 or less per item. There is no limit on the number of items purchased.


Clothing, shoes and certain accessories costing $60 or less per item will not be taxed. Again, there is no limit on the number of items you can buy in this category. The clothing category is broad and is defined as, “apparel worn on or about the human body.” This includes items such as; athletic clothes and uniforms, baby clothes, bathing suits, youth only bike helmets, orthopedic items, choir robes, undergarments, costumes, formal clothing, suits, rain coats, sleepwear, shoes, boots, slippers, cleats, ties and more. Tax free accessories include; wallets, bags, back packs, purses, hats, gloves, hair accessories, scarves, belts and more.

Keep in mind, what is and is not taxable can be hard to determine if you are looking for something in particular. For instance, a snow ski suit is tax exempt but not ski boots. A fishing vest in tax exempt, but not fishing waders. Other items that are not tax exempt include, make-up bags, duffel bags, jewelry, watches and athletic gloves.

Computers and Accessories

“Fortunately, computers are back on the tax-exempt list,” reports Buck with GreatFlorida Insurance, Florida’s top independent homeowners insurance agency.

Personal computers and certain computer accessories purchased for noncommercial home or personal use are tax free. Each item must cost less than $750. Items include; laptop, desk top, tablets, ebook readers, hard drives, headphones, keyboards, modems, scanners, printers, printer cartridges, routers, software, web cameras and more. Video game consoles and cell phones are not included.

Retailers are competitive during this busy shopping weekend, so take advantage of the deals.

If you are looking for reliable and affordable homeowners insurance, give GreatFlorida Insurance a call.


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by GreatFlorida Insurance

Gov. Rick Scott was not satisfied with the $82.4 billion budget passed during the year’s legislative session. In hopes of overhauling part of the state’s budget, he called a special three-day session.

The Orlando Sentinel reports, that with both sides bickering on the second day, it looked as if nothing would be accomplished. Accusations of a “back room” deal and a “fake narrative,” threatened success for the special session.

“In the end, law makers worked together and emerged victorious,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.


Below is a summary of what passed.

Public Schools-Public schools, PreK-12 received more money. An additional $100 was granted per student, raising funding 1.4 percent. While the increase was a step in the right direction, it is still below the national average.

Higher Education-State colleges and universities were given additional money for construction projects.

Environmental-$50 million will be provided to repair the Herbert Hoover Dike surrounding Lake Okeechobee to prevent runoff from the lake, causing toxic algae blooms.

“Toxic algae blooms are what people were describing as “awful smelling”, “blue/green slime,” that kept them from swimming in coastal waters around Martin, St. Lucie, Lee and Palm Beach counties,” reminds Buck with GreatFlorida Insurance, Florida’s leading independent homeowners insurance agency.

Medical Marijuana-Rules were established to implement Florida’s new medical marijuana program approved by voters in November. Among them, a ban on smoking marijuana and dispensaries must be 500 feet from school property. Also, additional treatment centers will set up around the state.

Economic Incentives-Increased funding for Visit Florida, the official Florida tourism industry marketing corporation. In addition, an $85 million job growth grant that will remain under Gov. Scott’s control.

GreatFlorida Insurance offers homeowners insurance policies from several reputable and affordable carriers. Go online for a free quote today.


The post Florida Special Legislative Session Outcome appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance

Worsening drought conditions have triggered a water shortage warning throughout Florida.

“Volunteering to reduce water use and conserve as much water as possible will help ease the strain placed on our water supply,” reminds Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

90 percent of water used in homes and businesses comes from groundwater or aquifers. With some counties seeing only half the average rainfall amounts this year, groundwater and surface water levels are lower than usual.


The U.S. Drought Monitor puts 66 percent of the state experiencing a drought with over 39 percent suffering severe drought conditions. Florida’s drought conditions are due to lower than average rainfall amounts, low humidity and high winds.

The state has also experienced a highly active fire season with over 2,000 wildfires reported this year by the Florida Forest Service. Many counties have issued a burn ban prohibiting open fires outside. The ban does not apply to grills and barbecue pits.

“Violating the ban carries a fine up to $500 or up to 60 days in jail or both,” reports Buck with GreatFlorida Insurance, Florida’s leading independent homeowners insurance provider.

Along with burn bans, many counties are under water shortage orders that could develop into mandatory orders soon. The Southwest Florida Water Management District issued a modified Phase 1 water shortage order to their 16 south Florida counties. Up north, the Suwannee River Water Management District and the St. Johns River Water Management District have also issued orders.

Water shortage orders necessitate residents to water their lawns twice a week on their designated watering days, this extends to landscape irrigation users. To find your designated days, click on the links above.

The counties also request residents to implement water conservation practices including:


Equip your hoses with an automatic shut-off

Only water your lawn and landscaping when needed

Plant native and drought tolerant vegetation


Fix any leaky pipes

Turn off the water when brushing your teeth

Time your showers

If the water shortage persists, Florida counties may consider mandatory restrictions.

GreatFlorida Insurance provides policies from several affordable carriers for your homeowners insurance needs.






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by GreatFlorida Insurance

As summer draws closer and the last day of school nears, the idea of a retreat seems essential. AAA reports that Americans continue to make family trips a priority with a significant increase in those planning three more vacations this year.

“The most intimidating part of a vacation is often the expense,” acknowledges Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

GreatFlorida Insurance is here to help with insightful suggestions to help you save money to plan a summer getaway.


When flying, try to leave on Tuesdays and Wednesdays, when fares are lower. You’ll save an avercheapair-2017-when_to_buy-infographic-v5-500pxage of $73 per ticket by flying on these days, according to the 2017 Annual Airfare Study.  Also, they found money can be saved purchasing your tickets 54 days in advanced, 99 days in advanced if you are traveling overseas.

Another finding, early-morning and late-night flights are cheaper. Check flights into and out of all available airports near you and your destination. Fares can vary greatly depending on the airport you choose.

If you must travel during a certain week, try adding or subtracting a day from your trip. A change of a day or two will generate a cheaper fare or rate. Try to avoid traveling over the summer holidays to save money. Memorial Day, The Fourth of July and Labor Day can cost the most money to travel.


When selecting where to stay on vacation it is necessary to prioritize. Decide what is most important to you; location, price, loyalty program or amenities and search for those specifically to save time.

You can price compare and search by location preferences and amenities on websites such as and . Be sure to check out a hotel’s website, they sometimes offer the best deals.

Keep in mind, many budget-friendly hotel chains offer quality amenities. In fact, budget hotels often provide free WiFi, free breakfast and sometimes free evening snacks and drinks. While larger hotel chains, often charge for internet use and don’t usually offer freebies.

If you plan to vacation for over a week check out vacation rentals over a hotel to save money. Look at home-sharing sites such as Airbnb or HomeAway. Home-sharing provides a unique, local experience for less money. Additionally, you get kitchen access, which will help curb food costs. Rentals also offer more privacy.

Buck with GreatFlorida Insurance reminds, “The host of a rental home might not have the adequate liability coverage if you injure yourself on their property, this is when your homeowners insurance can help.”


Set a budget. Break it down in to categories such as transportation, lodging, meals, entertainment and misc. expenses. In addition, consider giving your kids a daily amount for spending. This will eliminate the constant requests for a souvenir by your child and place the decision in their hands.  And they can learn to manage money in the process. Another suggestion to incorporate into your planning, create an itinerary to prevent unnecessary spending.


To take advantage of preferential treatment, share with hotel staff or flight attendants if you are celebrating a special occasion. You could receive free champagne or even a hotel upgrade.



The post Save on Summer Vacation appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance

After spending a good amount of money and time planning your ideal trip you might be thinking of  purchasing travel insurance. But, you might already be covered.

Homeowners insurance, renters insurance, auto insurance and medical insurance follows you on vacation,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent homeowners insurance provider. That includes; rental cars, illness, stolen items, lost luggage, accidental injuries and property damage. Before you buy travel insurance, check your policy and see what is currently covered. You want to avoid paying for insurance coverage beyond what is necessary.

Medical coverage

Your current health insurance policy could provide adequate coverage on your travels. Check coverage in the area you are headed. You might be surprised to find doctors and facilities that accept your health insurance even overseas.  The U.S. Department of State urges international travelers to make sure they have health insurance where they are traveling. Many foreign doctors and hospitals require cash payment and emergency medical evacuation can cost up to $100,000. Also, Medicare is not available outside of the country.

While illness is covered during your travels, a pre-existing medical condition might not be. This is a detail you will need to review with your insurance agent.

Lost or stolen items

It is a pain to arrive at your destination without your luggage. The U.S. Department of Transportation limits lost baggage claims to $3300. Keep in mind, airlines account for depreciation of your stuff so if you are traveling with golf clubs or pricey camera equipment you might want to make sure your luggage is covered. Stolen items and lost luggage are reimbursed under your homeowners insurance and renters insurance policy.

“Make sure to know your insurance coverage deductibles and limits before taking off on vacation,” says Buck with GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

Rental cars

Auto insurance will extend to a rental vehicle. If you cause an accident while driving a rental car, the liability portion of your auto insurance would cover the damages to other cars or property.

Travel insurance

One of the most common misconceptions about travel insurance is the idea that you can cancel for any reason and be reimbursed. Travel insurance will reimburse you on a majority but not all expenses. Like other insurance policies, the amount you pay for travel insurance will depend on a few variables. The type of coverage you choose, how many people are traveling in your party, age, destination and the length of travel. You can expect to pay 5 to 15 percent of the cost of our trip. The deductible amount is usually $200.

Make sure you are not paying for insurance you already own. Check out your current health insurance, auto insurance, renters insurance and homeowners insurance policy to see how much you are covered for while on vacation.

Contact GreatFlorida Insurance for all your insurance needs today.




The post Are you insured on vacation? appeared first on The GreatFlorida Insurance Blog.