Homeowner's Insurance

Insurance

Recent News

Catastrophe Reporting for insurance companies

In the event of a hurricane or other natural disaster causing catastrophic damage in the state of Florida, it will likely become necessary for the Florida Office of Insurance Regulation (Office) to institute a data call for the purposes of collecting claims and other relevant information from Insurance companies.

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What to do in the event of a natural disaster

Make a plan today.  Your family may not be together if a disaster strikes, so it is important to know which types of disasters could affect your area.  Know how you'll contact one another and reconnect if separated.  Establish a family meeting place that's familiar and easy to find. 

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Why should I consider homeowners, condominium, or renter insurance?

Insurance can help you with your peace of mind, knowing that in the event of a covered loss, your damaged home can be rebuilt and your destroyed belongings can be replaced. Types of coverages include:*

  • Dwellings and other structures
    For most of us, our home is the single largest investment we will make. Homeowners insurance provides coverage for damage to your home and other structures on your property such as a shed or detached garage. For townhouse owners, your townhouse and separate structures are covered for many types of damage except for some exclusions, such as wear and tear, earth movement, flood, nuclear hazard and earthquake.
  • Dwelling Improvements, Alterations, and Additions
    Condominium owners are covered for accidental damage to improvements you make in your unit for which your association’s policy does not provide coverage, subject to your condo insurance policy limits.
  • Loss assessment
    Condominium owners will also receive up to $1,500 for assessments arising from covered damage. This can be used to pay for your share of property damage or injury awards for which your association’s policy does not provide coverage. Typically, up to $50,000 is available, but this may vary depending on your policy.
  • Personal Property
    Homeowners, condominium, or renters insurance also provides coverage for your household contents and personal belongings. You may think your couch, coffee table, sweaters, shoes, coats, TV, VCR and CD player aren’t worth a lot, but those items all add up when you have to replace them.
  • Personal Liability
    Finally, in the event someone is injured or you damage property that belongs to others, you could be held legally liable for the injury or damage. A homeowner, condominium or renter policy provides liability coverage* should this ever occur, subject to some exclusions.

*Only up to the limits of the insurance coverages purchased.