Having a vacation home in a tropical area can be a fun thing for any family. If you have been contemplating buying a Florida vacation home, then there are some factors you will want to consider before you carry through with your plan. Here are a few things you should think about.
While most people buy a Florida vacation home to escape snow and ice, both can be present in the Northern Panhandle. According to the Florida Climate Center, hurricanes can be a threat from June 1 to November 30, with most occurring from mid-August to the end of October. You may also have to deal with tropical storms during this same period. Orlando and Napa have fewer tropical storms and hurricanes than other coastal areas of the state. Flooding can also be a problem in coastal regions. There are many different strategies, including having great insurance that homeowners use to cope with the weather. Many state and local codes help protect buildings from storm damage, so make sure that the home that you are considering is up to code.
Regardless of where you are in the state, you are very near a popular tourist destination. Orlando is home to Walt Disney World, Epcot Center, Universal Studios Florida, and many other attractions. Miami is known for its beaches, its lively art culture, and its nightlife. Key West is a water lovers’ paradise with many choosing to take last minute cruises from here. St. Augustine claims to be the oldest city in America, and places like Castillo de San Marcos, the Fountain of Youth Archaeological Park, and the Lightner Museum make it a great city to explore history. According to Emerald Coast By Owner, there are also many popular family vacation spots near the Gulf Coast. You may want to consider Destin with its sandy white beaches, Clearwater with its many lively festivals or Sarasota with its exciting restaurant scene.
Property insurance is one thing you may want to think about before buying a vacation home in Florida. According to Get Rich Slowly, the cheapest homeowners insurance rates are usually found in Tallahassee. Conch Key often has the highest. Remember that several different factors can affect the amount you will need to pay for insurance for a vacation home, including the number of months that someone will be living in the property, the home’s square footage, building costs in the area, local crime rates, and the history of property claims in the area.
There are many fun reasons to consider buying a vacation home in Florida. It can be a great place to relax and have fun with your family. Just make sure that before you buy one, you do your research so that you pick the city that is right for you and your family.
Once you buy your Florida vacation home, contact us for a great quote on homeowner’s insurance!