Save on Navarre Condo Insurance

Save on Navarre Condo Insurance

Homeowner rates in Florida have been steadily rising for the past 7 years. 2023 we saw the passage of several laws that prevented much of the fraud that has been devastating the Florida home insurance market. Now it is 2024 and we can finally see a light at the end of the tunnel.

What does this mean for Condominium Insurance especially in Navarre Florida? We are finally seeing rates decline as more and more insurers are willing to compete to write your Condo Insurance commonly referred to as an HO-6 policy.

This is where Barbee Jackson Insurance comes in to help you find the best coverage at the best rate. We work with several of the largest insurance companies that specialize in condo insurance. We will work with you to design a policy that meets your needs, get you the right price and most importantly with an insurance company that we know will pay your claim in a timely manner.

What Types of Condos Do We Write?

  • Homestead Exempt (Primary)
  • Secondary Homes
  • Long Term Rentals
  • Short Term Rentals
  • Builders Risk
  • Airbnb and VRBO

Know your Insurance Company!

When it comes to insurance companies it’s more than just looking at the Google Rating. If you search the majority of insurance companies that write in Florida you will see they do not have the best Google Reviews. To be honest…they have garbage reviews ranging from 1 to 3.1 Google Stars, but that does not always tell the whole truth.

That’s where Barbee Jackson Insurance steps in. We’ve been in the Florida condo market for the past 22 years and know in the event of a claim which insurance company will have a check in your hand within a reasonable amount of time and which insurance companies will drag their feet for months.

We will take the time to advise you that maybe paying $100 more over a competing quote is in YOUR best interest based on the claims paying ability of the insurance companies. Also, unlike other insurance agencies, we don’t stop with writing the policy. In the event of a claim, we will help guide you through the whole process to get you paid faster.

Know What you are Covering

Condominium Insurance is unlike any other insurance coverage. Why? Unlike home insurance, condo insurance does not cover the outside structure. Condo insurance is meant for the interior of a condominium. It is referred to as studs-in and includes coverage such as:

  • Drywall
  • Fixtures
  • Flooring
  • Plumbing 

Then what covers the exterior? The exterior of the building along with liability for the amenities comes on the Master Condo Policy. The Master Condo Policy is a part of your HOA fees and is a separate insurance policy. 

The second coverage would be for your Personal Property. It is a separate coverage for your personal belongings that you would like insured.

What Discounts are Available?

Condo owners get many discounts based on a variety of factors. Does it have 24 hour onsite security? Is it fully sprinklered (meaning does it have sprinklers in every room including the closet)? Age of the complex? And does the condominium have hurricane protective glass?

These are all factors that the insurance company will account for when determining an insurance premium.

Deductibles

If you are new to Florida our deductibles can be a little confusing. All policies have two deductibles. The first one is All Other Peril (AOP). AOP refers to fire, theft and non-named storms. 

Non-Named Storms are tropical storms that have a tendency to pop up in a relatively short period of time. They are frequent in Florida and are covered by the AOP deductible.

The second deductible is Hurricane. Hurricane deductibles can be a flat deductible such as $500 or $1,000 or they can be expressed as a percentage. The percentage is commonly 2%, which means 2% of the value of the studs-in. 

For example, you insure the studs-in (fixtures, flooring, drywall, paint etc.) for $200,000. Then your hurricane deductible would be 2% of the $200,000. Meaning your hurricane deductible would be $4,000.

Ready…Barbee Jackson Insurance

If you read this whole content page then you might be a little confused with all that is included and what is not included on the policy. Not to worry….Barbee Jackson Insurance has a whole team of experts that handle condo insurance. 

We will guide you on getting the right coverage, with the best insurance company, at the best price. Call today and we can get started (850) 389-2001



250+ Google ⭐⭐⭐⭐⭐ and Growing

Haley Lundy

Krystal and her team strive to provide exceptional customer service. As a new business customer, they were patient with all of my questions and guided me in making the best possible choices. Insurance can be stressful, especially in Florida, but this team made it a breeze! Thanks Barbee Jackson Insurance!

Learn more

Alex Promise

I am so glad that I found this company, Courtney Ferguson my agent was extremely helpful from the beginning to the end of helping me to secure my policy!

Learn more

IHC IT

Prompt, Polite, Personable, sourced a policy for me in a 10 minute phone call. A+!

Learn more