Own or Rent a Home?

Need Homeowners Coverage or Renters Coverage?

Homeowners Insurance

We offer Homeowners Insurance through several Private and Surplus Lines Carriers.

Coverages available are as follows:

• Homeowners
• Dwelling Fire (Tenant Occuppied)
• Renters
• Condo Owners
• Vacant Property
• Seasonal Homes
• Vacation Homes

Windstorm Insurance

Properties located near coastal areas in the State of Florida require the purchase of a separate Windstorm Policy that protects property owners from losses incurred as a result of damaging winds produced by strong storms such as hurricanes. The coverage, which is not provided in most homeowner insurance policies of homes located near coastal areas, is mandated by the states windpool.

Flood Insurance

Flood insurance is a type of insurance policy that covers damage to a home caused by an overflow of water brought on by a natural disaster. It is a federal plan backed by the National Flood Insurance Program (NFIP) and is available to homeowners and people who rent. Homeowners Insurance Policies do not cover Flood Losses. If you are in a designated flood zone you are required to purchase a separate flood insurance policy. If you are not in a designated flood zone you may still purchase a Preferred Policy at a much lower rate. Coverages are available up to $250,000 for Building and $100,000 for Contents.



Umbrella Insurance

Umbrella Insurance is an extra liability insurance coverage that goes beyond the limits of the insured's home, auto or watercraft insurance. It provides an additional layer of security to those who are at risk for being sued for damages to other people's property or injuries caused to others in an accident. It also protects against libel, vandalism, slander and invasion of privacy. An umbrella insurance policy is very helpful when the insurance owner is sued and the dollar limit of the original policy has been exhausted. The added coverage provided by liability insurance is most useful to individuals who own a lot of assets or very expensive assets and are at significant risk for being sued.