Why You Need Both Home and Flood Insurance Policies

If you’re a homeowner, it’s your job to protect your home and ensure it’s covered in case of serious events. There are a lot of things that can happen to a house and cause damage. When you don’t have the right insurance for your home, you would be on the hook for paying for all the damage. If you have a home insurance policy, you may not be as safe from possible risks as you think. For flood insurance, call us at McCormick Insurance Inc. in Pembroke Pines, FL, to learn more. 

Home Insurance and Floods

If you have a home policy, that’s a good step toward protecting your home and yourself. However, a home policy doesn’t protect against everything. Floods are generally excluded from this coverage. If you only had a home insurance policy and a flood happened, you would have to pay for all the damage yourself. This damage can be extreme and expensive. When you add a flood policy to your insurance coverage, you’re well protected against floods. 

Everyone Needs Flood Insurance 

Some people don’t get flood insurance because they think their home insurance will cover flood damage. Some don’t get this coverage because they think they live in an area that won’t flood. However, virtually every area is subject to flooding. That’s true whether or not you live in a flood zone. About a fifth of all flood claims come from areas not designated as flood zones. That makes it important to get this policy no matter how your home is situated. 

Get Flood Insurance

It would be best to have both home and flood insurance to protect yourself financially. To get a policy of your own, call us at McCormick Insurance Inc. in Pembroke Pines, FL, to get started. 

Stay Protected From Many Damaging Events With Home Insurance

Every home has vulnerabilities. Countless things can happen to a home that can require repairs. So many things can happen to a house that it’s never a good idea to go even a day without home insurance. Your policy has several types of coverage, each covering a different aspect of your property. When you need a home insurance policy, contact us at McCormick Insurance Inc. in Pembroke Pines, FL to ensure your home is protected. 

Damaging Events

What is a damaging event? In this situation, something happens to your home or the things inside it that cause damage or destruction. A detrimental event can include specific kinds of disasters, calamities, accidents, and more. These events will generally be spelled out in your home insurance policy. Generally, the thing that isn’t covered is flooding. Other than this, you’re protected against damage by your home policy. This means that your possessions in the home and the dwelling are protected. 

Getting Repairs

In many cases, a damaging event means the home needs repairs or rebuilding. Your home insurance covers the entire value of the home so that the policy can pay for the repairs. Without this coverage, you could struggle to pay for the repairs you need to keep the home inhabitable. If it isn’t inhabitable, your home policy will also pay for you to stay somewhere else while your home is being repaired. 

Get Home Insurance to Protect Yourself

If you’re about to buy a home, you need to get insurance right away. It should take effect the first day that you own your home. Call us at McCormick Insurance Inc. in Pembroke Pines, FL to get coverage.

What Factors Should You Consider When Buying Home Insurance?

If you are in the market for a home insurance policy, you will quickly find many different policies available to select from. This may leave you wondering which is the right one for you. Paying close attention to specific factors is a great way to hone in on the ideal insurance policy for you. At McCormick Insurance Inc, serving the greater Pembroke Pines, FL area, we want to help you zero in on the right policy. Here are a few factors to consider. 

Always Find Out What is Covered and Excluded Under a Home Insurance Policy

One of the first things you should consider when purchasing a home insurance policy is what is covered and what is excluded. While most home insurance policies have the same standard inclusions and exclusions for large items, you may find a few smaller inclusions or exclusions that can change from one policy to the next. 

Ensure You Have Enough Coverage For Your Home and Belongings Contained Inside

As you purchase a home insurance policy, it is also important to ensure that you have enough coverage for your home and the belongings inside. One of the biggest mistakes that people make is only thinking about the value of their home and not all of the furniture, electronics, jewelry, art, and other valuables found inside a home. 

Pay Close Attention to How Much the Deductible May Be 

The last factor that you should consider when purchasing home insurance is how much the deductible is. Always ensure that the deductible is something you can afford, or you may struggle to pay the amount if you ever need to use your home insurance policy. 

When you are looking for a new home insurance policy in the greater Pembroke Pines, FL area, the team at McCormick Insurance Inc is here to help you. Reach out to us today, and let’s work together to help you find the perfect insurance policy for your needs. 

Five Things to Look For in a Home Insurance Policy

When protecting your home, you want to ensure you have the best possible coverage. Your home is likely one of your most significant investments, so you’ll want to choose a policy that will give you peace of mind knowing that you and your home are covered in an accident or disaster. Here are five things to look for when choosing a home insurance policy.

1. Coverage Limits

Coverage limits are one of the most critical things in a home insurance policy. This is the maximum amount your insurer will pay out in case of a covered incident. It’s essential to choose a policy with limits that will protect your home and belongings in the event of a worst-case scenario.

2. Premiums

Of course, you’ll also want to consider the cost of your premiums when choosing a home insurance policy. Be sure to get quotes from multiple insurers to compare rates. Remember that the cheapest policy may not always be the best option. Be sure to read the fine print and understand what is and isn’t covered before making your final decision.

3. Liability Coverage 

Did you know that your home insurance policy might also cover you if someone is injured on your property? This is known as liability coverage, and it can protect you financially if you are ever sued or held responsible for an accident. Be sure to choose a policy with adequate liability coverage to protect yourself and your assets.

4. Reputation of the Insurer 

You may have the best home insurance policy in the world, but it won’t do you any good if your insurer isn’t reliable. When choosing a home insurance policy, research the insurer’s reputation. Read reviews and check out their financial stability to make sure they will be able to pay out on your policy if you ever need to make a claim.

5. Discounts 

Finally, be sure to ask about discounts when you’re shopping for a home insurance policy. Some offer discounts for things like having advanced security systems. Be sure to ask about any discounts that might apply to you so that you can save even more on your premium.

These are just a few things to consider when choosing a home insurance policy. McCormick Insurance Inc. can help you find the right policy for your needs and budget. Contact us today for more information or to get started on your quote.

We look forward to helping you protect your most valuable asset in Pembroke Pines, FL.

4 Areas Covered by Home Insurance

You are about to purchase home insurance from McCormick Insurance Inc. in Pembroke Pines, FL. You know the policy covers your dwelling, but do you know that home insurance protects more than just the building? Yes, a good home insurance policy covers the below areas.

Dwelling protection

Perhaps, this is the most common reason many homeowners buy home insurance. Home insurance repairs or rebuilds your home should the covered perils strike your home. For instance, home insurance reimburses repair expenses if fire, accidental water damage, hailstorms, lightning and other covered perils occur.

Home insurance can also cover detached structures like the garage, fence, or gazebo. Usually, you pay 10% of your policy to get additional coverage for detached structures.

Personal property coverage

Has it not taken you a lot of time and resources to accumulate personal assets like electronics and furniture? Given that your assets are valuable, considering home insurance is a wise decision since it reimburses you for the loss or damage to your assets.

Yes, home insurance doesn’t prevent perils from happening, but it ensures you don’t start from scratch when perils occur.

Liability protection

Home insurance protects you when you, your family members, or your pet causes injury to third parties. It also protects you when accused of causing property damage to persons living outside your home. Plus, home insurance covers legal costs should third parties sue you.

Loss of use

Home insurance can cover the additional living expenses you incur while your house is being rebuilt after damage. Home insurance covers hotel accommodation, food, transport, and other additional living expenses indicated in your policy.

Buy home insurance in Pembroke Pines FL

Ready to protect your home with home insurance? You are on the right track. If you are in Pembroke Pines, FL and its environs, don’t hesitate to get in touch with McCormick Insurance Inc. for an affordable home insurance policy.

Who is covered by my home insurance?

For most homeowners in Pembroke Pines, FL, home insurance is critical coverage that helps protect their investment.  The all-around policy is designed to protect every aspect of your home, but does it really cover everyone living with you? To avoid confusion and misinformation, McCormick Insurance Inc. decided to create this post to help you understand better who is covered in your home insurance policy.


As a homeowner, you can be sued or held liable for many things, whether you are at fault or not. Your home insurance can help cover most lawsuits, such as a neighbor suing you for water damage that entered their home from your overflowing swimming pool.  You can also be held liable when a guest’s child gets injured after tripping on your slippery floor.

Family members

Your family members, including children, parents, cousins, and other relatives who live with you, are covered. Be sure to write all their names when purchasing the policy to avoid claim rejection. Home insurance covers lawsuits and property damage your family members cause to other people.


Your pets are part of your family and, therefore, part of your home insurance policy. However, not all pets are covered. The most commonly covered pets in Pembroke Pines, FL are dogs and cats. So, if you’re keeping other types of pets, be sure to ask whether they will be covered or whether you’ll need separate pet insurance.

Guests and other people

Your friends, neighbors, and anyone that visits your home can be compensated if accidentally injured while at your home. The policy pays medical expenses and legal fees in case you’re sued.  For instance, if you hold a party and one of your friends drinks too much, and they end up causing a road accident while driving, your insurance policy can help pay for the damage or injuries on their behalf.

Remember, the policy doesn’t cover intentional acts. For more information, quotes and queries, be sure to call McCormick Insurance Inc. today.

How to prepare your home for a flooding event in Pembroke Pines, FL

How to prepare your home for a flooding event in Pembroke Pines, FL

Floods are the most destructive and sometimes most unpredictable as they can happen in regions that rarely see rain. If you live in Pembroke Pines, FL, you probably know how costly the damages can get. Since they are not always predictable, McCormick Insurance Inc. recommends taking steps to prepare if you live in a flood zone area. Here are a few ways you can help keep yourself, your family, and your property safe from floods.

Check with your local council to assess the flood risk

The first and most crucial step is checking whether your home is located in a flood risk area or not. If marked as high risk, your local council will provide you with information such as the expected dates and how you can minimize potential losses. You should also stay alert by monitoring local news and weather reports. If your home is not in a high-risk area, don’t relax. Buy flood insurance and keep yourself updated for emergency alerts.

Make your safety a priority

You will not keep your home and loved ones safe if you are not safe yourself. Create emergency exits in case flooding occurred suddenly. If you live in a mansion with several floors, consider moving most valuables to the upper floors. You also want to check and ensure electricity and water pipes are properly sealed to avoid excess damage.

Buy flood insurance

Homeowners insurance in Pembroke Pines, FL, does not cover floods. Therefore, it is your responsibility to ensure that you get a separate flood insurance policy to protect your home and personal belongings. Your insurance company can help you buy the right coverage based on the value of your home.

Most flooding events are unavoidable, but with a little planning, organization, and taking safety measures, you can get back to your everyday life sooner than expected. Let McCormick Insurance Inc. help you stay safe. Contact us for more information, quotes, or policy discussions.

What Is Home Insurance?

McCormick Insurance Inc. is helping Pembroke Pines, FL residents to get home insurance covers that take care of their properties in cases of disasters. A home insurance policy is a legal necessity for all property owners in Florida, so, as a new homeowner, you’ll be required to have one.

Home insurance is a very broad term that refers to an insurance policy providing protection coverage or personal liability coverage to property owners. Home insurance is designed to help in financial reimbursement to the renter or the house owner in case of damage and theft.

Several things are covered by home insurance, and having a comprehensive understanding of these things eliminates situations where homeowners are frustrated by insurance companies as they seek financial reimbursement. Some of the issues covered include earthquakes, floods, fire, hurricanes, or any other natural disaster, causing injuries or damages to the property.

Damages and Liabilities Covered

Depending on the insurance company one is working with, there is an expectation that most of the damages will be covered in case of a disaster. Repairing structural damages, replacement of damaged personal house items, and sometimes a total rebuilding of the entire structure are necessary. The home insurance policy also covers any neighbor who has been injured within the property.

However, there are some exceptions to the types of items covered by a home insurance policy. The home insurance cover will not cover costly assets that have been damaged within the property. An additional insurance policy covers such items.

Do You Need Home Insurance?

As a resident of Pembroke Pines, FL, there is no doubt you will significantly benefit by having a home insurance policy. The insurance team at McCormick Insurance Inc. will guide you through the application process while offering additional information you may need on home insurance. Contact us today.

Riders you may want to add to your Florida home

Florida is one of the most popular places to call home. Choosing your home insurance is an important part of the homeowning process. Having an agent you are comfortable with and trust is important.  McCormick Insurance Inc. in Pembroke Pines, FL is an agency you can count on and the entire team will work to make sure you have the best coverage at an affordable price. 

A basic home insurance policy has limitations. Talking to your insurance agent about what is not covered under your policy is important. Just because your policy has limitations, doesn’t mean you can’t be covered for some additional things. You can add a rider to your policy to cover something your policy excludes or has coverage limits which are too low for you. 

Sink Holes

Moving earth is something that homeowners insurance excludes. In Florida especially, sinkholes can be a serious issue. Adding this important coverage to your home policy is an excellent idea. 

Hurricane coverage

Florida is prone to hurricanes and not all home policies have hurricane coverage. With the potential for several hitting the state on any given year, being protected against hurricane damage will give you much-needed peace of mind. 


Floods and flood damage are not typically covered on home insurance. You can get an additional policy to cover flooding but some companies are now also offering flood coverage as a rider. Check with your insurance agent to decide which options work best for you. 

Jewelry rider

Most home policies have a very limited amount of coverage for jewelry. If you have a good-sized engagement ring, you may have already exceeded your policy limit. Make sure you have appraisals on your expensive pieces and then get a ride to cover the amount you need. 

These are just a few of the riders you can add to your basic home policy. Give McCormick Insurance Inc. in Pembroke Pines, FL a call to set up an appointment to make sure you have all the home coverage you need for your Florida home. 

Why you need home insurance in Pembroke Pines

The Pembroke Pines, FL area is a great place for anyone to live. Those that are in this area should consider purchasing a home as they will benefit from the long-term value appreciation that occurs in this area. When you do own real estate in the area, it is important that you get home insurance. There are several reasons why you need to have home insurance when you are in this area. 

Ensures Compliance with Agreements

One reason why you will need to have home insurance in this area of Florida is that it will ensure that you are in compliance with all agreements. Anyone that has taken out a mortgage or lives in an area that has a home association is bound to be required to carry insurance. When you get home insurance in this area, you will need to take these agreements into consideration to make sure you get the right policy.

Protects Asset

Even if you are not required by any agreement to carry home insurance, you still will want it to protect your asset. A home is a very valuable and important asset. If it were to be damaged or destroyed, you could lose a lot if you do not have insurance. A home insurance policy will give you coverage to protect against this risk.

Having home insurance in the Pembroke Pines, FL area is a necessity. When you are looking for this insurance, it will always be helpful to work with someone that is experienced. The team at McCormick Insurance Inc. can help you to get into a great home insurance policy that properly protects you and your property. McCormick Insurance Inc. does this by carefully assessing your situation to make sure that you get into the best policy possible.