Frequently Asked Questions
FAQ
Frequently Asked Questions
General Questions
By law, all Homeowners Insurance companies in the states of Florida, Alabama, North Carolina, South Carolina, and Louisiana must offer discounts for wind-resistant features of your home. Many homes, especially those with fairly recent roofs, will qualify for these discounts. To get the discounts, you should have a Wind Mitigation Inspection done by a licensed home inspector or contractor. This inspection usually costs less than $200 and can save you up to 40% on your home insurance premium.
Our agency carries a total of 50+ insurance companies. More companies to choose from means better rates for you. We tailor your policy to your specific needs, never adding unnecessary coverage and making sure that any and all discounts are applied. Our customer service is top-notch!
No, we can rewrite your policy at any time. We take care of all the paperwork to cancel your old policy and to update/invoice your mortgage company. It’s easy!
Yes, we can! Many insurance agencies don’t cover these homes at all, or they only offer one company for them. Viera Insurance Agency offers a choice of carriers for manufactured homes and this means better rates for you!
Condo associations insure the exterior of all of their buildings under one ‘master policy.’ As a condo owner, you are only responsible for insuring the interior of your condo. This means that the dollar amount of coverage (and the premium) should be less than that of a comparable single-family home.
When you’re a renter, your landlord insures the home you occupy, but not your belongings. If the home is damaged, the landlord’s insurance policy will repair the home, but will not replace your furnishings, electronics, clothing, and personal items. A Renter’s Insurance policy is very inexpensive and provides peace of mind for renters.
No, it does not. Your Homeowners policy covers you for water damage to your home caused by pipe burst, roof damage or appliance malfunctions. Flood, on the other hand, is defined as rising water. If water rises up into your home, either from storm surge or excess rain, you will need a Flood Insurance policy to pay for those damages.
Auto Insurance premiums are based on several factors, including your age, coverage limits, driving history, and credit score. Keeping your driving record clean and your credit score as favorable as possible will lead to better Auto Insurance rates. Our agents will also advise you if you are carrying too much (or too little) coverage.
Yes! We offer commercial insurance options for all businesses, whether you need Worker’s Comp, Commercial Auto, General Liability, or Business Property coverage. We can write customized packages tailored to fit your business’s needs. Contact us for details.
We offer a wide variety of different insurance products such as: Large and Small Commercial, HOAs, Flood, Jewelry, Inland Marine, Umbrella, Recreational Vehicles, Special Event Coverage, Professional Liability, Builder’s Risk, Watercraft, Motorcycle, and Personal Articles.
We write with 50+ A-rated carriers which include: Progressive, Lloyd’s of London, Cypress P&C, Southern Oak Ins. Co., Hagerty, Hudson, Jeweler’s Mutual, Travelers, Markel, Monarch, National General, Neptune, Swyfft, Tower Hill, American Integrity, SecurityFirst, Slide, Citizens, Universal Property & Casualty & many more!
Of course! All though many carriers will only take an architectural shingle roof up to 15 years old, we still have many carriers in the state of Florida that will write homes and businesses with shingle roofs up to thirty years old. We also have carriers that will exclude the roof if you happen to have an older roof or minor damage. For metal or tile roofs the age limit with most carriers increases anywhere from 25 to 50 years.
Most carriers in the state of Florida have taken rate increases, however, there are things we can do to help. We can take a look at carrier automatic increases and work to reduce those to help lower the renewal premium. We can also look at your current deductibles and optional endorsements to make changes to further lower your renewal premium. These updates or changes could also help lower you renewal premium; updated windows, new doors and garage doors, new roof, monitored alarm system, if you’ve reached retirement age (50+), occupancy changes, updating wind mitigation features such as nail size and spacing and in your roof trusses/attic
