Homeowner´s insurance can be difficult to obtain in some areas, so you should start working on this right away. Homeowners insurance for a Florida home can be complex. A mortgage lender will require that you have a homeowner´s policy before they will commit the money to close the sale. Insurance companies scrutinize both the buyer and the property.

The buyer must have good credit. The insurer would also like the buyer to be someone who does not have a history of submitting a lot of insurance claims. Ideally, the property should have had no insurance claims made against it in the last five years.

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