Bianca Guevara | CoralGables Real Estate, Pinecrest Real Estate, Hialeah Real Estate

Looking for a one-of-a-kind place to live? Choose a luxury home in Florida – you'll be thrilled you did.

Ultimately, there are many reasons to buy a luxury home in the Sunshine State, and these include:

1. You can live near one of Florida's awe-inspiring beaches.

Florida is home to some of the world's top-ranked beaches. And for those who cannot get enough fun in the sun, you should have no trouble finding a luxury home near a Florida beach.

If you want to celebrate the beauty of South Beach day after day, you can always purchase a South Beach luxury home. Or, if you prefer the majesty or Clearwater Beach, Pensacola Beach or other first-rate Florida beaches, you can check out a broad array of luxury houses near these beaches.

With a real estate agent at your side, you can streamline the process of finding a luxury home near one of Florida's top beaches. In fact, a real estate agent can keep you up to date about new luxury homes in assorted Florida cities and towns, negotiate with home sellers on your behalf and much more.

2. You can visit any of Florida's top attractions at your convenience.

From Disney World to the Kennedy Space Center, there is no shortage of world-class attractions across the Sunshine State. Thus, if you want to live close to one of Florida's many exciting attractions, you can pursue a luxury home nearby.

New luxury homes hit the Florida housing market every day. If you collaborate with a real estate agent, you can stay informed about new luxury houses and find a residence that matches or exceeds your expectations.

A real estate agent can help you narrow your search to Florida luxury homes near some of the Sunshine State's most popular attractions. By doing so, this housing market professional will help you simplify the process of going from luxury homebuyer to luxury homeowner.

3. You can live close to family members and friends.

Do family members and friends live in Miami, Orlando or other Florida cities and towns? If so, you can live near these loved ones if you purchase a luxury home in the Sunshine State.

With a Florida luxury home, you can reap the benefits of an stellar residence. This home likely will offer plenty of space, ensuring you can host family members and friends at any time. Plus, a Sunshine State luxury home will look great both inside and out, guaranteeing you can enjoy a dazzling place to live for years to come.

When it comes to finding a Florida luxury home near family members and friends, working with a real estate agent is ideal. This housing market professional will make it easy for you to pursue a large collection of luxury houses and discover the right home at the right price.

There's a lot to like about living in Florida, especially if you own a Sunshine State luxury home. Take a look at some of the luxury houses available in Florida today, and you can move one step closer to purchasing a deluxe Sunshine State residence.

Every Florida homeowner knows that they need home insurance, but the details can be foggy. Home insurance protects your investment in your home and your possessions. Your mortgage company will expect that you purchase home insurance before you’re even able to secure a loan. Your home has a fair value. That’s the number amount in coverage that you’ll need for your home loan. This value is determined based on the price that you bought the home for. 

Policies Differ Greatly

You’ll need to look at your home insurance policy very carefully. The terms can vary based on the company, the area you live in, and how much coverage you choose. Many plans will only cover the exterior or the interior of your home. Certain types of natural disasters like floods or earthquakes may also require add-ons to the policy. Most policies include the following:




Damage from lightning

Damage from hurricanes

Tree damage

If your property does suffer a loss, your insurance company will first give you an estimate of the damage. Then, they’ll pay you so you can get the damage fixed. Your insurance company can even recommend certain professionals to you for the repairs to be made. In extenuating circumstances, your property may need to be rebuilt entirely.

Insurance Doesn’t Cover Everything

There are certain things that your home insurance won’t cover. Living in Florida, you may want to take a closer look at your policy. While your home insurance may cover damage caused by a hurricane, it won’t cover flooding or water damage. You may need to add things to your home insurance policy to cover yourself. Keep in mind that home insurance doesn't usually include routine home maintenance.  

The Interior Of Your Home

Your home insurance will cover most of the contents of your home. These items include furniture, electronics, clothing, appliances, and other belongings. If your dishwasher breaks, you can’t call your insurance company, but if a tree falls on your home and your dishwasher is affected, your insurance company can certainly help you out.   

Each Policy Covers Something Different

You may be surprised at what your home insurance policy does cover. Your insurance may include things that aren’t in your home. If your diamond tennis bracelet is stolen while you’re on vacation, you can call your home insurance company even if the item wasn't in your home at the time. Depending on the type of policy you have you may have partial coverage for many of your more expensive possessions no matter where you take them. 

The Florida luxury housing market provides many opportunities, particularly for homebuyers who plan ahead. Regardless of whether you intend to purchase a luxury house in Miami, Tampa Bay or elsewhere in the Sunshine State, setting realistic expectations for the Florida luxury housing market can help you achieve your desired results in no time at all.

Ultimately, there are many factors to consider before you embark on a Florida luxury home search, and these include:

1. Where You Want to Live

The luxury houses in Fort Lauderdale are very different from those available in Jacksonville. Much in the same vein, the luxury houses near Disney World may offer different amenities than the luxury homes available in Gainesville. As such, you should consider where you want to live and what you want from your ideal Florida luxury house to streamline your luxury home search.

If you know where you want to reside in Florida, you can tailor your luxury house search accordingly. Furthermore, narrowing your home search to specific Florida cities and towns may help you quickly acquire your ideal luxury home.

2. The Finances at Your Disposal

You know that you want to buy a Florida luxury house, but you still have no idea how much you can afford to spend on a top-notch residence. Fortunately, if you meet with a bank or credit union before you kick off your Sunshine State luxury home search, you can enter the luxury housing market with a budget in hand.

Typically, a bank or credit union will outline all of the jumbo mortgage options at your disposal. And if you want to purchase a luxury residence in Orlando, St. Augustine or any other Florida city or town, a lender will help you get the ideal jumbo mortgage based on your financial situation.

3. How Quickly You Want to Purchase a Luxury House

Buying a Florida luxury home should be a quick, easy process. Yet homebuying hurdles may arise that prevent you from acquiring your dream Sunshine State luxury home on your timeline.

If you prepare for the Florida luxury homebuying journey, you can reduce the risk of encountering potentially expensive and time-consuming hurdles along the way. In fact, if you collaborate with a real estate agent who possesses Florida luxury housing market expertise, you may be better equipped than ever before to enjoy a fast, successful homebuying experience.

An expert real estate agent will learn about your Florida luxury homebuying goals. Next, this housing market professional can teach you about the local real estate sector and ensure you can accomplish the best-possible results.

Let's not forget about the support that a real estate agent can provide once you enter the Florida luxury housing market too. This housing market professional can help you pursue luxury residences that match or exceed your expectations, as well as submit a competitive offer on any luxury residence, in any Florida city or town.

Take the guesswork out of pursuing a Florida luxury house – consider the aforementioned factors, and you can boost your chances of enjoying an unforgettable homebuying experience.

Purchasing a luxury residence in Lake Worth, Tampa Bay or any other Florida city or town should be simple. Yet problems may arise that prevent you from achieving your desired results.

Ultimately, buyers should plan ahead if they want to seamlessly navigate the Florida luxury homebuying cycle. With a plan in place, a homebuyer can quickly and effortlessly discover the right luxury home in any Sunshine State city or town.

For those who want to simplify the Florida luxury homebuying process, we're here to help. Now, let's take a look at three key steps that buyers need to complete during the Sunshine State luxury homebuying journey.

1. Establish Luxury Homebuying Criteria

Do you want to own a luxury home on a beautiful Miami beach? Or, would you prefer to purchase a luxury house close to Disney World? Create luxury homebuying criteria, and you can narrow your home search and focus on luxury residences that match or exceed your expectations.

It often helps to craft a list of Florida luxury home must-haves and wants. This list may be updated as you attend home showings and open house events. And over time, the list may help you discover a Sunshine State luxury house that you can enjoy for years to come.

2. Get Luxury Home Financing

A jumbo mortgage typically is required for buyers who want to purchase a luxury home in Jacksonville, Clearwater or elsewhere in Florida. Thankfully, lenders are available that can offer comprehensive insights into jumbo mortgages.

Meet with a variety of lenders – you'll be glad you did. Lenders may offer a wide range of jumbo mortgage options, and it usually is a good idea to explore all available options to obtain the lowest interest rate on a jumbo mortgage.

Furthermore, don't hesitate to ask questions about jumbo mortgages. Lenders employ friendly, knowledgeable jumbo mortgage specialists, and these professionals are happy to help you find the right mortgage based on your individual needs.

3. Employ an Expert Real Estate Agent

Pursuing a luxury home in Fort Lauderdale, Orlando or anywhere else in Florida may prove to be difficult, particularly for buyers who choose to work alone. Luckily, expert real estate agents can make it easy to navigate the Sunshine State luxury homebuying journey.

An expert real estate agent allocates time and resources to learn about a Florida luxury homebuyer's needs. Then, this housing market professional will work with a homebuyer to ensure that he or she can find the right residence. This means if you want to buy a luxury home in South Beach as soon as possible, a real estate agent will help you do just that. On the other hand, if you want to find a luxury house close to family members in St. Augustine, a real estate agent can help you hone your luxury home search accordingly.

Take the guesswork out of finding a luxury home in Florida – collaborate with an expert real estate agent, and you can receive extensive support throughout the Sunshine State luxury homebuying journey.