Homeowners Insurance


Homeowner's Insurance

If you’re like most homeowners in Florida, your home is your most valuable asset and should be protected. Homeowners insurance offers protection from a variety of potential perils.  We can help you find the best homeowners insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service, and competitive pricing.

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It’s essential to understand what your coverage options are — not just for dwelling place, but for you, your family and to others.

What is homeowners insurance?

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What does homeowners insurance cover?
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How Much does homeowners insurance cost?

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What is Homeowners Insurance?

Buying a house is one of the significant milestones in your life and one of the biggest investments you’ll probably ever make. So once you make that investment, you probably want to protect it with home insurance and, in some cases, you’re going to have to. Like any other type of coverage, home (or homeowner’s) insurance comes in a variety of flavors with a seemingly endless array of options. Read on to find out more about those options, and at WE insure cam guide, you get the right suite of coverage for your home.

Here are some specific benefits of personal homeowners insurance:

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Just request a quote to find out.

Types of Homeowners Insurance Coverage

Your home is the center of your world — the place where family and friends meet and memories are made.


 Homeowners insurance provides financial protection for your home and possessions variety of potential perils. Homeowners insurance against possible risks isn’t the only protections that policies offer. Policies frequently also help safeguard homeowners from personal liability lawsuits and protect homeowners’ possessions.

A few coverages that are available through most policies as either required or optional protections and includes:

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Building Coverages
Dwelling Coverage

Protect your actual home, built-in appliances, and wall-to-wall from causes damages.

Other Structures

Covers additional structures not attached to your house, such as a shed, fence, barn, detached garage or gazebo.

Personal Coverages
Personal Property

This coverage helps cover your personal property not attached your own home, such as furniture and clothing.

Loss of Use

This coverage help you to pay for additional living expenses if you’re unable to live in your home due to a covered loss.

Liability Coverages
Liability Insurance

Offers protection from a variety of potential liability lawsuits that accuse a homeowner of causing injury or damages.

Medical Coverage
Medical Payments to others

These covers pay for minor injuries if a guest hurt on your property. They are usually sold in a small amount.

Common covered perils on Florida homeowners insurance policy
  • Fire, or Lightning.
  • Weather-related damage,
    such as windstorm or hail.
  • Water damage,
    not from flood.
  • Damage caused by
    Falling Objects.

Hazards, such as floods and earthquakes, are not typically covered by standard policies, for such perils, additional coverage options are available.

As an independent agency, we’re able to request quotes from several insurers; you can compare and review each quote to determine which one provides the best coverage at the most affordable rate.

We’re always pleased to provide professional and friendly consultations regarding Homeowners  insurance to help you understand the importance of insurance protection you can truly be comfortable with.

How Much does Homeowners Insurance Cost?

Homeowners Insurance vary widely based on individual rating factors, and every single insurance quote will generate a different premium. Bellow, you can find some of the things that commonly influence an Homeowners insurance rates.

House Location — The location of your home can change your homeowner’s insurance premium. Near water it’ll increase the rate.
Personal Factors — Your habits can affect your homeowner’s insurance premium. Ex: smokers may pay more, good credit history can lower the premium.
Protective Devices — Monitors alarm systems, smoke detectors, fire extinguishers, can lower the premium.
Claims History — Claims maid on a homeowner’s insurance policy it’ll increase the premium.
Your Household — Insurance companies underwrite at the household level, meaning they try to base insurance rates on the habits of the entire family.
Coverages You choose — Your insurance and coverage amounts choices and deductibles, have a significant impact on how much you’ll pay.
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