South FL Home Insurance Recommendations

[David Johnson]

Hey All,

I recently posted about recommendations for local banks that offer HELOCs. After consulting with a few of them, they all require some type of home insurance, usually flood. I just bought a property in Fort Lauderdale that will be my primary residence for at least a year, and I own it free and clear. 

So now I'm hoping I can get some recommendations for a good insurance agent/company. I'm also wondering what local investors do for insurance for their properties down here, as I bought this property as a "buy and hold" and will focus on long term rental when I find my next primary property. Can I get by with some type of base/cheapest insurance plan now then upgrade when new tenants move in? 

Thanks in advance. This family is awesome so far and I've already learned a ton. 

Thank you!!

DJ