Most standard homeonwer insurance policies might cover fire and lightning, windstorms and hail, vandalism and theft, explosions, sudden water damage from bursting pipes or overflowing appliances, damage from falling objects or vehicles, and more.  Coverage varies for every homeowners insurance policy and may be subject to common exclusions such as flooding and earthquakes, which require separate policies or endorsements, sewer backup, pest or pet damage, and gradual damage.  Additionally, you will need to consider your deductible and any endorsements and floaters.

To have any of your homeowner insurance policy questions answered and to get the best coverage and the best rates, contact us TODAY!

Having a homeonwer insurance policy can protect your home in the event of fire and lightning, windstorms and hail, vandalism and theft, explosions, sudden water damage from bursting pipes or overflowing appliances, damage from falling objects or vehicles, and more.  Most mortgage lenders require a homeowner insurance policy for home buyers who have a mortgage.  While coverage varies for every homeowners insurance policy and may be subject to common exclusions such as flooding and earthquakes, which require separate policies or endorsements, sewer backup, pest or pet damage, and gradual damage.  We will help you find the best rates with our many trusted insurance providers to get you the right coverage so your family can have true peace of mind for your most valuable asset, your home.

To have any of your homeowner insurance policy questions answered and to get the best coverage and the best rates, contact us TODAY!

Most mortgage lenders require a homeowner insurance policy for home buyers who have a mortgage.  If you purchase a home with cash and without a need for a mortgage, you may not be required to have a homeowner insurance policy, but having one can protect your home in the event of fire and lightning, windstorms and hail, vandalism and theft, explosions, sudden water damage from bursting pipes or overflowing appliances, damage from falling objects or vehicles, and more.  While coverage varies for every homeowners insurance policy and may be subject to common exclusions such as flooding and earthquakes, which require separate policies or endorsements, sewer backup, pest or pet damage, and gradual damage.  We will help you find the best rates with our many trusted insurance providers to get you the right coverage so your family can have true peace of mind for your most valuable asset, your home.

To have any of your homeowner insurance policy questions answered and to get the best coverage and the best rates, contact us TODAY!

To determine how much homeowners insurance you need, many factors must be considered.  It is important to calculate the replacement cost of your home and its contents and consider your financial assets. An adequate policy should provide enough coverage to rebuild your house, replace your belongings, and protect you from liability claims.  Additionally, you should also factor in dwelling coverage, insuring for replacement cost, not market value, your home's replacement cost, possible extended or guaranteed replacement cost coverage, personal property coverage, and liability coverage.

To have any of your homeowner insurance policy questions answered and to get the best coverage and the best rates, contact us TODAY!

There are many factors that determine how much your homeowners insurance policy may cost.  Factors such as the size of your house, the age of your house, as well as additional considerations for the cost of replacing your belongings, and protecting you from liability claims. 

To have any of your homeowner insurance policy questions answered and to get the best coverage and the best rates, contact us TODAY!

To lower your homeowner's insurance costs, there are many steps you can take which include but are not limited to: shopping around and comparing quotes, bundling policies with your auto insurance, increasing your deductible, and installing security or safety features like smoke detectors and security systems. Other strategies include maintaining a good credit score, avoiding small claims, making disaster-resistant home improvements, and reviewing your policy annually for unnecessary coverage.

To have any of your homeowner insurance policy questions answered and to get the best coverage and the best rates, contact us TODAY!

While most homeowner's insurance policy covers damage from hurricane winds, you'll need separate flood insurance for flood damage. Be aware of your hurricane deductible, which is typically a higher, percentage-based amount that applies specifically to named storms. To ensure full coverage, have the experts at Oracle Insurance review your policy's details for wind coverage, temporary living expenses, and exclusions, and consider purchasing additional coverage for items like screened enclosures.

To have any of your homeowner insurance policy questions answered and to get the best coverage and the best rates, contact us TODAY!

Standard Florida homeowner's insurance policies may include "catastrophic ground cover collapse" coverage, but this requires a sudden collapse, a visible ground depression, structural damage to your home, and government condemnation. For broader coverage of non-catastrophic sinkhole activity, you will likely need to purchase an additional, separate "sinkhole coverage" endorsement with an extra premium.

To have any of your homeowner insurance policy questions answered and to get the best coverage and the best rates, contact us TODAY!

You will most likely need coverage for unnamed perils in your homeowners insurance policy in the state of Florida, as a basic named perils policy only covers risks specifically listed in your policy. To protect your home from a wider range of risks, including those not listed, you should opt for an "open perils" or "all-risk" policy, which covers all events except those specifically excluded, such as flood or sinkhole damage.  Some named perils include: fire, lightning, windstorms, hail, and vandalism. If an event not on the list causes damage, you will be responsible for the costs. Open Perils cover most types of damage and loss unless they are explicitly excluded in the policy which can include flood, earthquake, and sinkhole damage, which typically require separate coverage.

To have any of your homeowner insurance policy questions answered and to get the best coverage and the best rates, contact us TODAY!

If you need to file a claim or have questions about filing a claim on your personal homeowners insurance policy, call us immediately to speak with one of our experts at (813) 259-9600.  Our team will help you determine whether or not you should file a claim on your policy and guide you through the entire claim process.

If you do not know if you should file a claim or have questions about filing a claim on your personal homeowners insurance policy, call us immediately to speak with one of our experts at (813) 259-9600.  Our team will help you determine whether or not you should file a claim on your policy and guide you through the entire claim process.

There are many factors that determine how long a personal homeowners insurance policy claim may take to be fully resolved.  The more factors that are involved will typically prolong the time the claim takes to be processed. To file a claim or have questions about filing a claim on your personal homeowners insurance policy, call us immediately to speak with one of our experts at (813) 259-9600.  Our team will help you determine whether or not you should file a claim on your policy and guide you through the entire claim process.

When you sell your house, your homeowners insurance policy remains active until the final sale is complete to protect you from liability, and then you cancel it through your insurance provider. You should receive a refund for any prepaid premiums if you switch insurers. A new homeowner must purchase their own policy as the insurance cannot be transferred.  Do not cancel your policy before the closing date, as you remain the property owner and are liable for any injuries or damages that occur on the property. Inform your insurance company of your upcoming sale, providing the closing date and new address, so they can process the cancellation or transfer of funds. 

To have any of your homeowner insurance policy questions answered and to get the best coverage and the best rates, contact us TODAY!

Yes, your homeowners insurance policy can be cancelled for various reasons, including non-payment of premium, claim history, property conditions, insurance fraud, material misrepresentation, change in risk, and even insurer's business decisions.  Insurance companies are required to provide written notice of cancellation, allowing you time to find new coverage.

If you have received any notifications regarding the cancellation of your homeowner insurance policy, contact us TODAY!

Yes, your homeowners insurance policy rates can increase for various reasons, including inflation & supply costs, increased risk in your area, your claims history, home modifications, an aging roof or other home components, changes in your credit score, or general industry-wide changes.

To have any of your homeowner insurance policy questions answered and to get the best coverage and the best rates, contact us TODAY!

If you have received any notifications regarding the cancellation of your homeowner insurance policy for any reason, including non-payment of premium, claim history, property conditions, insurance fraud, material misrepresentation, change in risk, and even insurer's business decisions, call Oracle Insurance TODAY at (813) 259-9600.

Reviewing your personal homeowner insurance policy coverage regularly is very important. Doing this makes sure you are paying the best rates for the right coverage. Typically you should review your homeowners insurance policy at least once a year, especially around your renewal date. Additional major life or home events that may happen are also important times to review your homeowner insurance policy coverage, as these can significantly impact your coverage needs. A yearly review should take into consideration property value changes, inflation, rising construction costs, and fluctuations in the real estate market can increase your home's replacement value, potentially leaving you underinsured if a total loss occurs. Other important factors to consider include market comparisons, new discounts, policy changes, home renovations, major purchases, household changes, events like marriage, divorce, or a new baby, adding outdoor structures or amenities like a shed, gazebo, pool, or trampoline, acquiring a new pet, and starting a home business.

To have any of your homeowner insurance policy questions answered and to get the best coverage and the best rates, contact us TODAY!

Our goal is to educate you about your best personal homeowner insurance policy options and guide you towards a tailored plan that meets your current needs and future goals. We are committed to treating you with fairness, respect and professionalism. Helping your family protect its biggest and most valuable asset and providing peace of mind for the future is what defines Oracle.

We help you explore all of your best personal homeowner insurance policy options, consider potential risks, and devise effective solutions.

To have any of your homeowner insurance policy questions answered and to get the best coverage and the best rates, contact us TODAY!

You can count on Oracle Insurance Group to be the best insurance agency providing your family or business the expert service offering personal homeowner insurance policy coverage anywhere in the state of Florida and here locally in the Tampa, Hillsborough, Pinellas, Pasco, Polk, Manatee, & Sarasota County areas!

Our Oracle Insurance service area covers the entire state of Florida and includes:

Hillsborough County

Alafia / Apollo Beach / Armory Gardens / Ballast Point / Balm / Bayshore Beautiful / Bayshore Gardens / Bayside West / Beach Park / Bel Mar Shores / Belmont Heights / Bloomingdale / Brandon / Carrollwood / Channel District / Cheval / Citrus Park / Culbreath Bayou / Davis Islands / Downtown Tampa / Dover / Durant / East Lake - Orient Park / East Tampa / Egypt Lake - Leto /  Fair Oaks - Manhattan Manor / Fishhawk / Gandy - Sun Bay South / Gibsonton / Golfview / Harbour Island / Hyde Park / Interbay / Keystone / Keysville / Lake Magdalane / Land 'O Lakes / Lithia / Lowry Park / Macfarlane Park / Mango / Midtown Tampa / Northdale / Odessa / Oldsmar / Orient Park / Palma Ceia / Palma Ceia Pines / Palma Ceia West / Palmetto Beach / Pebble Creek / Plant City / Port Tampa City / Progress Village / Riverview / Ruskin / Seffner / Seminole Heights / South Tampa / Sulphur Springs / Sun City Center /  Sunset Park / Swann Estates / Sydney / Tampa Heights / Tampa / Tampa Palms / Temple Terrace / Terrace Park / Thonotosassa / Town & Country / Turkey Creek / University / Valrico / Virginia Park / Wesley Chapel / Westchase / Westshore Palms / Wimauma / Ybor City

Manatee County

Pasco County

Pinellas County

Polk County

Sarasota County