Yes, your driving record is what determines the rate the company will charge for the insurance.
Yes, there is wind coverage under the standard Homeowners. However, in some states, when property is located on the coast, wind can be excluded from the policy and re-purchased through the Wind Pool.
Most insurance companies have gone to insurance scoring and the credit is one criteria used. Statistics show that people who are responsible about paying their bills, will be responsible with their insurance – their homes and operating vehicles.
Our regular office hours are: Monday-Friday : 8:30am - 5pm