Homeowners, Condo & Renters Insurance

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 This coverage protects your home against damage and potential loss from covered events, such as hurricanes, wind, hail, lightning, or fire. It’s important to insure your home for its current replacement value to ensure you’re fully protected. Our agency provides a thorough dwelling replacement evaluation to accurately assess your property, making sure you have the appropriate amount of coverage for your Florida home. 

Other Structures are detached from the home such as Garage, Shed ect.

 Think of your home like an upside-down container – everything that falls out is likely considered Personal Property. This includes your belongings such as furniture, clothing, electronics, jewelry, firearms, and more. 

 This coverage helps with your living expenses if you're unable to stay in your home due to a covered claim. It typically covers costs like hotel stays, food, and other expenses while your home is being repaired. 

 This is one of the most crucial coverages to consider. What are you trying to protect? If you or anyone in your household is accused of accidentally causing injury or property damage, your home insurance liability coverage can help by covering legal defense fees and, if needed, paying for damages (up to your policy limit). 

 Guest medical coverage is included in most home insurance policies, offering protection if a guest is injured accidentally in or around your home. This coverage helps pay for reasonable and necessary medical expenses (up to your policy limits) for accidents that aren't covered by liability protection. It provides peace of mind knowing you can assist with medical costs for your guests. 

  Even if you don’t own a home, it’s important to protect your belongings. Most apartment communities require renters' insurance. For as little as $19 a month, we can cover your personal property and liability. Plus, by bundling your Auto insurance with us, we often save you more than the cost of the renters policy. 

  All Other Perils – You can choose a deductible of $500, $1000, or $2500. A higher deductible typically results in a lower annual premium but means more out-of-pocket expenses if you file a claim. A lower deductible will reduce your out-of-pocket costs in the event of a claim, but it comes with a higher premium on your homeowner's policy. 

In Florida, the standard hurricane deductible is typically 2% of your dwelling coverage. For example, if your home has $250,000 in dwelling coverage, a 2% deductible would be $5,000, which would be deducted from your claim payout. Many insurance providers now offer a range of deductible options, including $500, $1000, $2500, 2%, 5%, and 10%. Choose the deductible that best suits your needs. 

Replacement Cost on contents

Screen Enclosure Coverage

Water Backup

Flood Endorsement 

Ordinance Law

Loss Assessment