Homeowners

Florida presents a unique challenge when it comes to homeowners insurance: finding comprehensive coverage with a financially stable carrier. Navigating the process can be frustrating and confusing so let our team of experienced advisors do the heavy lifting for you. We will guide you step by step from the inspection process to choosing the right combination of coverages tailored for you.

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Our homeowners markets offer coverage including high value homes. We are proud to offer current Florida homeowner policyholders solutions for additional high-value properties in all 50 states and international locations.

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Customize Your Own Homeowners Declarations Page

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Insuring the place you call home can help protect you financially against losses due to named storms, fire, theft, vandalism, or other covered events. It can also provide valuable protection in the event someone is injured while on your property.

Not all homeowners policies provide the same coverage. Policies can differ by not only which coverage is offered but also by the limit for each of those coverages. Not all companies give full water damage coverage - a lot limit that to $10,000. We present options with a comprehensive analysis of coverage and carrier financial strength. We can help you choose which policy is best for your needs to ensure protection against losses such as hurricane, wind, water, fire, vandalism and theft of personal property.

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How Much Does Home Insurance Cost?

There is no set rate or “one size fits all” when it comes to homeowners insurance. Your policy will be tailored specifically with the options you choose, so how much you’ll pay for your policy depends on:

Coverage you select. Homeowners coverage is rated based on which coverage you choose. Each coverage has an individual rate so your policy’s customized coverage comes at a customized premium.

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• How much you are willing to “self insure”. The rule of thumb is the higher the deductibles usually lower your premium. This shifts part of the loss payment to you which saves you money on coverage. For example, if you had a $1000 All Other Perils deductible, you would be responsible for paying the first $1000 of the covered loss. There are two deductibles on every policy which we can walk you through with the quote explanation.
• Limits you choose. Most of the coverages have limit options that can be customized to fit individual needs. These choices all affect the final premium.

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Common Coverage Options

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Protection for Your Home

Property or Dwelling Coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a kitchen fire or hot water heater leak.

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Protection for You and Other People

Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world.

When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued.

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Medical Coverage

This covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.

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Additional Living Expenses

If you are displaced from your home due to a covered loss, your home insurance policy will pay for additional living expenses incurred above and beyond what you normally spend while damage is assessed and your home is repaired or rebuilt.

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Protection for Your Belongings

If you pick your house upside and shake it, anything that falls out is considered your personal property. Your home is filled with furniture, clothes, electronics and other items that mean a lot to you. Personal Property Insurance helps replace these items if they are lost, stolen or destroyed as a result of a covered loss as long as replacement cost coverage is selected.

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Scheduled Personal Property Coverage vs Personal Articles Floater/Inland Marine

If you have special possessions such as jewelry, art, guns, antiques or collectibles you may want to talk to your agent about this additional coverage. Homeowners policies typically limit the amount of coverage (for example, $500 for jewelry) for these items which, in most cases, is not enough to repair or replace in the event of a loss. Broader coverage for specific items is available.

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If You Rent Out Your Home

Landlords may have the option to buy optional liability coverage for the risks posed by tenant-occupied dwellings whether short term or long term. Visit our Rental Properties Insurance page for more information.

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Protect the Things that Matter to You

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We recommend at least twice a year, make an inventory of your home and personal belongings. If possible, make a list as well as take photos or video — using two inventory methods can help expedite the claim resolution process. Keep this list somewhere other than your home. Keep in mind that your policy doesn’t cover damages caused by poor or deferred maintenance on your part.

Every home is unique – get a quote today to find out how to get the best price and value on homeowners insurance for you.

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Whether you own a house, apartment, or condo — the perfect home insurance policy will provide you peace of mind as well as the money you need to repair or replace your home and/or belongings for covered losses. Contact us for more information today!

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Worried you aren’t completely covered? Consider an umbrella insurance policy that extends your coverage.