Question 1

Do I need flood insurance if I don't live in a flood zone in Edgewater?

Accepted Answer

Even if you're not in a high-risk flood zone, flood insurance is worth considering. About 25% of flood claims come from low-to-moderate risk areas, and Edgewater's proximity to the Indian River Lagoon means storm surge can push water inland unexpectedly. With average rates around $385 in Edgewater, it's relatively affordable protection. Additionally, if your home is insured with Citizens for over $600,000, state law now requires you to carry flood coverage regardless of your zone.

Question 2

What's the difference between my regular deductible and my hurricane deductible?

Accepted Answer

Your regular deductible applies to most claims like theft, fire, or vandalism—typically $500 to $2,500. Your hurricane deductible is separate and applies specifically to hurricane-related damage, usually calculated as a percentage of your dwelling coverage (2-10%). On a $300,000 home with a 2% hurricane deductible, you'd pay the first $6,000 out of pocket for hurricane damage. This catches many homeowners by surprise, so make sure you know what yours is.

Question 3

Why won't my homeowners insurance cover flooding from a hurricane?

Accepted Answer

Standard homeowners policies specifically exclude flood damage, which is defined as water that comes from outside your home and flows in. This includes storm surge, heavy rain runoff, and river flooding. Wind-driven rain that enters through storm damage to your roof or windows is typically covered, but rising water is not. That's why you need a separate flood insurance policy through the National Flood Insurance Program or a private flood insurer.

Question 4

How much home insurance do I need for my Edgewater property?

Accepted Answer

You need enough dwelling coverage to completely rebuild your home at current construction costs, not just its market value. With median home values around $293,567 in Edgewater, your replacement cost could be similar or higher depending on construction materials and labor costs. Also consider liability coverage (typically $300,000 minimum) and personal property coverage for your belongings. Don't forget separate flood insurance—most Edgewater properties benefit from this additional protection.

Question 5

Can I get insurance if my Edgewater home was built in the 1980s?

Accepted Answer

Yes, but older homes often face higher premiums and may require updates before insurers will provide coverage. Insurers scrutinize roof age, electrical systems, plumbing, and window quality. Many won't insure homes with roofs older than 15-20 years without replacement. If your home still has its original 1980s systems, expect to either pay higher premiums or make updates like installing impact-resistant windows, updating the electrical panel, or replacing the roof.

Question 6

What should waterfront homeowners in Edgewater know about insurance?

Accepted Answer

Waterfront properties face higher premiums and more coverage disputes due to exposure to storm surge, salt-spray corrosion, and flooding. Insurers often argue that surge (flood) rather than wind caused damage, which shifts the claim to your flood policy. Make sure you have comprehensive flood coverage, understand the difference between wind and water damage in your policies, and document your property's condition before and after storms. Consider working with an agent experienced in waterfront properties.

Insurance Agents in Edgewater, Florida (FL)

Insurance agencies serving Edgewater

AA Armstrong Insurance

Generations Insurance Group LLC

Insurance Agents in Edgewater, Florida (FL)

Insurance agencies serving Edgewater

AA Armstrong Insurance

Generations Insurance Group LLC

Lane Insurance

Stephanie Hall

Workers Comp Inc

Insurance Guides for Edgewater

Home Insurance in Edgewater, Florida

Auto Insurance in Edgewater, Florida

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