Home Insurance

Coverage that helps protect your biggest asset.

Protect your home and get peace of mind with our reliable insurance options.

We represent over 20 reputable insurance companies, so we can provide you great home insurance protection for a reasonable price.

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Home Insurance in Florida is not the same as the rest of the country.

Let’s face it…insurance companies protecting homes in Florida have unique challenges.  Hurricanes, convective thunderstorms, extreme heat and humidity, cause a lot of property damage to Floridian’s homes every year. Our weather is very unpredictable…just ask a meteorologist in Florida.  That’s why a lot of the insurance companies that we see on television don’t even attempt to insure homes in Florida. Our insurance companies understand the Florida market and have been insuring homes in Florida for many years.

What type of Home Insurance do I need?

There are several types of Home insurance policies to choose from.  The type of policy needed depends on the type of home and how it is occupied.

• HO3 - This policy is intended for an owner occupied home, but could
• HO-5 - This policy is intended for an owner-occupied home and has better coverages than an HO-3.
• HO-4 - This policy is intended for someone who is renting a property and covers your possessions.
• HO-6 - This policy is intended for an owner-occupied condo, but occassionally can be used for tenant -occupied condos
• DP-3 - This policy is intended for homes that are rented to others
• DP-1 - This policy is intended for homes that are rented to others, but provides less coverage.

What are the risks your home faces?

Imagine if your house caught on fire or was damaged by a tornado or hurricane. Not only would you lose your home, but you’d also be burdened financially and emotionally. Without adequate home insurance, you would be left with no way of raising the funds to pay off the balance of the mortgage or rebuild. Of course, home insurance may also help protect you from more common things like pipe leaks and property damage. Because even small issues can add up, and having insurance coverage helps you better protect your biggest investment.

INTERACTIVE GRAPHIC

Click it. Read it. Cover it.

• Click on the hotspots.
• Discover your risks.
• Get the right coverage.

Helping you protect your home starts with the right insurance.

Finding the right coverage for your unique needs can seem overwhelming. We make things simpler by creating an insurance policy that gets you the proper coverage for your house at the right price.

Every home is different, your coverage should be too.

Home insurance policies cover a range of options tailored to fit the needs of your home and lifestyle. When reviewing your home insurance options, consider the following coverages:

• Fire
• Personal Property / Contents
• Property Damage
• Additional Living Expense / Loss of Use
• Jewelry, Fine Arts & Collectibles
• Medical Expenses
• Personal Liability
• Miscellaneous Coverage

• Personal Injury
• Umbrella
• Excess Liability Coverage
• Flood Coverage
• Secondary Home
• Collectible Cars
• Wine Collection
• Water Back-Up
• Off Premises Theft

Do you have the right home insurance?

Does your current home insurance cover all your needs? Chances are, it doesn’t. As your insurance advisor, we’ll work with you to determine the risks your home faces and customize your coverage to fit your specific needs. Because whether you live in a one-story house or a mansion, it’s the place you call home. And your home deserves to be covered with insurance that’s more than the bare minimum.

Contact us today to discuss your options.

Frequently Asked Questions (FAQs)

Florida’s home insurance rates have risen due to several factors, including frequent hurricanes, rising construction costs, and an increase in insurance fraud and litigation. Severe weather events have led to higher claims payouts, prompting insurers to raise premiums to cover potential risks. Additionally, material and labor shortages have driven up repair costs, making rebuilding after a disaster more expensive. To help lower your rates, consider wind mitigation inspections, increasing your deductible, or bundling policies with the same insurer.

Mold damage is typically not covered unless it results from a covered peril, such as water damage from a burst pipe. If mold develops due to high humidity, poor ventilation, or long-term leaks, most standard policies will not cover the cost of removal or repairs. Some insurers offer optional mold coverage, so if you live in Florida’s humid climate, it’s worth asking your agent about adding this protection to your policy.

Yes, most standard home insurance policies cover swimming pools, detached garages, sheds, and fences. However, there are limitations. If your pool is damaged by a covered event like a hurricane, your policy may help with repairs. However, liability coverage for pool-related accidents varies, and some insurers require additional endorsements or safety measures, like fences or pool enclosures. If you own a pool, it’s crucial to confirm that your liability limits are sufficient to protect against potential lawsuits.

In Florida, many insurance companies are hesitant to cover homes with older roofs, especially if they are over 15-20 years old. Insurers view aging roofs as high-risk due to potential storm damage. Some companies may require a roof inspection before offering coverage, while others may limit coverage for roofs that haven’t been recently updated. If you have an older roof, you may need to either replace it or seek coverage through specialized insurers who cater to older homes.

There are several ways to reduce your home insurance costs in Florida:

• Wind mitigation discounts: Installing hurricane shutters, impact-resistant windows, and a reinforced roof can qualify you for discounts.

• Higher deductible: Opting for a higher deductible can lower your premium, though you’ll pay more out-of-pocket if you file a claim.

• Bundle policies: Combining your home and auto insurance with the same provider can lead to significant savings.

• Home security upgrades: Installing security systems, smoke detectors, and fire alarms can help reduce your premium.

• Shop around: Comparing quotes from multiple insurers can ensure you’re getting the best deal for your coverage needs.

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• Newberry, FL Insurance
• Micco, FL Insurance

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