Homeowner’s insurance in the state of Florida is uniquely different from most other states. We have a high risk for catastrophic loss every year, mainly due to hurricanes. One important thing to keep in mind when shopping homeowner’s insurance, the lowest price isn’t always the best choice.

Insuring the home (Dwelling)

The price you paid for the home isn't always the amount that you would chose to insure it for. The majority of homeowner's companies require that your home be insured for 'replacement cost.' (The cost to actually rebuild the home from the slab up) In today's market, most people actually insure their home for more than they are paying for it. In the housing boom, we insured the dwelling for less than the purchase price. As professional agents, we will help you determine the replacement cost of your home, so that you are properly protected against even the most unfortunate events.

Insuring Personal Property

Personal property is anything not permanently attached to your home; furniture, clothes, electronics, etc. Items as jewelry have certain limits but "Valuale articles/floaters can offer additonial coverages.

Liability Insurance

Accidents happen and unfortunately when they do, lawsuits may happen. Liability Coverage helps protect you against the financial risk arising from injury or property damage that you or your family may cause to other people. It can even help provide for legal defense expenses for your day in court. We will help you determine the amount of liability coverage that is needed to protect your financial well being in such an unfortunate event. If the limits within your homeowner's policy aren't sufficient, we'd recommend a Personal Umbrella Policy that can extend your protection to higher amounts, such as 1, 2, even 3 million.
FLOOD INSURANCE IS ALWAYS WRITTEN AS A SEPARATE POLICY, AND IS NOT COVERED BY A HOMEOWNERS POLICY. PLEASE SELECT THE FLOOD TAB TO LEARN MORE ABOUT THIS IMPORTANT COVERAGE.
portant thing to keep in mind when shopping homeowner’s insurance, the lowest price isn’t always the best choice.

Wind Mitigation Inspection

Homes built 2002 or later are automatically given large discounts based on the higher building code and standards. For homes built prior to 2002, a wind mitigation inspection can have a significant impact on your annual premium. (We've seen discounts as much as 50%) The inspection looks at the characteristics of the roof (shape, age, and attachment), construction type of home (masonry, frame), and opening protection.
If you have an older home and are not familiar with the wind mitigation inspection, please contact us so we can go over this with you in more detail.