Homeowners Insurance Highlights

You get the important property and liability insurance you need. Following are some highlights:

Replacement Cost Coverage – Pays you what it would cost to repair or replace your home up to the policy limit with no deduction for depreciation – providing your limit of insurance meets policy conditions and provisions.

Protection for Belongings – Provides insurance for damage from a wide range of perils, including: fire, lightning, wind-storm, hail, theft, explosion, smoke, vandalism, malicious mischief, riot, vehicles, falling objects, accidental discharge of water or steam from things like plumbing and air conditioning systems and sudden and accidental damage from artificially generated electrical currents.

Liability Insurance – Provides protection if you’re faced with a property damage or bodily injury claim or lawsuit. You also receive legal defense for insured situations.

Built-In Protection for Additional Living Expenses – If a fire, storm or other insured disaster forces you out of your home, you’re reimbursed for temporary, reasonable additional living expenses such as the cost to live elsewhere, restaurant bills and laundry.

Optional Replacement Cost Coverage for Your Belongings

A variety of discounts help keep insurance costs under control – There are discounts for newer homes and homes equipped with hurricane shutters and fire and burglar alarms as well as homes built to new Florida Building Code standards.

A choice of deductibles that can help you reduce your premium even further – You can also select from a number of payment plans.