Misconceptions about purchasing Homeowners Insurance

Misconceptions about purchasing Homeowners Insurance

Living in Florida poses a lot of challenges for the average consumer when purchasing insurance. We position ourselves as an agency that shares information and we educate the consumer for the versatile marketplace we face. I want to share common misconceptions in purchasing homeowners; that in my 23 years in the industry I have come across. As you read these, please keep in mind they are all FALSE. Please call our agency if you would like elaboration or clarity with regards to the shared information and we look forward to serving you and continue to offer valued information to our community.

1. I can not change my insurance policy until it expires
2. It is better if I have force placed insurance
3. Citizens is the only carrier writing for the state of Florida
4. I only need insurance during hurricane season
5. I can get a shutter discount with only half of my home covered
6. My personal property can only be 50% of the dwelling amount
7. My dwelling amount coverage needs to be for the purchase price
8. My policy covers my dogs
9. My policy is a maintenance contract for my home
10. Insurance companies are here to get me a new kitchen and new floors — when I am bored with what I have
11. I have a free policy, it is included in my mortgage
12. My bank does not care if I have insurance or not
13. My ring worth 25K is covered on my policy, even though my agent knows NOTHING about it
14. My home insurance policy includes flood insurance
15. If I live in my home or rent it out it does NOT matter which policy I have
16. If I live in a condo my association covers everything
17. The age of my home or roof does NOT affect my premium
18. I do not need to provide any proof of ownership to the insurance company if I have a loss
19. There are NO discounts available to Florida homeowners
20. If I pay cash for a property and not buy insurance, the state will cover if I have a loss
21. Public Adjusters are who I should call first if I have a claim

If you have further inquiries about purchasing home insurance, contact us on our contact form. 

Elijeana King-Thompson, CPIA

Founder · Chaisteli Insurance Group — Davie, Florida

Elijeana King-Thompson, CPIA, is the founder of Chaisteli Insurance Group and a licensed insurance professional in Florida and Georgia with more than 30 years of industry experience. Since founding Chaisteli in 2008, she has helped individuals, families, property owners, and businesses understand their risks, evaluate coverage, and navigate Florida’s changing insurance market.

Her areas of experience include homeowners, windstorm, flood, auto, condominium, rental property, commercial, general liability, workers’ compensation, life, and health insurance. Elijeana reviews Chaisteli’s educational content for accuracy and adds practical insights based on her experience serving clients throughout Broward County and South Florida.

Credentials: Certified Professional Insurance Agent, or CPIA, designation · Licensed insurance professional in Florida and Georgia
Education: A.A. in Business Management, Broward College · Women in Executive Leadership Program, Florida Atlantic University College of Business
Professional memberships: PIA National · Latin American Association of Insurance Agencies · National African American Insurance Association · Independent Insurance Agents of Broward County
Service area Davie, Fort Lauderdale, Cooper City, Pembroke Pines, Coral Springs, Plantation, Pompano Beach, Parkland, Hollywood, greater Broward County, and communities throughout South Florida
Languages English and Spanish
Selected recognition: 2026 South Florida Favorites Gold Winner for Top Insurance Agency · Best of Davie 2025 and 2026 · Best of Pembroke Pines 2024–2026 · Nextdoor Neighborhood Fave 2023 and 2024

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