Are you searching for homeowners insurance that makes you feel safe and ready for whatever may come? Have you been looking for trustworthy, friendly and dependable insurance agents to help you find the best insurance coverage for the best price? We are here to provide you with the very best service and make sure that you and your loved ones are covered!
Many people mistakenly believe that all homeowners insurance companies are the same, but this is far from the truth. For instance, while some companies use commissioned “sales agents” our staff is not commissioned; Therefore, motivated to assist you best insurance plan for your own specific needs. Why? Because we care about your well-being we take the time to help you get the best price, while doing our best to help you avoid costly mistakes; such as ending up uninsured or under-insured when something happens.
Why is it important to discuss all your insurance coverage options? Sometimes there are optional items in your coverage, (some of them only a few dollars per year) that could cost you a fortune if disaster strikes. Some companies never offer you the option for these coverages and take them off or add them to the policy without discussing it with you. They base your insurance coverage on what they think you are willing to pay rather than what you feel your actual risks are. Instead, we will help you find the best plan by shopping around from ten different insurance carriers for you and making sure your insurance fits your specific needs.
Did you know… screen enclosures are not covered under many general home owner’s policies? If a big storm hits and your enclosure blows away and hits another home, you could end up paying for expensive repairs out of your own pocket.
Did you know… many insurance plans do not offer protection against mold damage? This can be a huge risk in Florida because of the wet weather, high humidity and of course, there is always the risk of leaks from in the walls from your air conditioner.
Did you know… that if you bundle or package your homeowners policy with your auto policy you could receive a package discount on your home and auto policies?
We are here to shed light on opportunities like these to allow you to weigh your options, become completely informed, and get the best bang for your buck.
You may wonder, “Do I really need homeowners insurance? What are the chances some disaster is actually going to happen to me?” The answers are yes, and in Florida, actually quite high, between hurricanes, tropical storms, water damage etc.! Your home is your most valuable asset. That being said, you need to make sure you have the correct coverage in case of a small loss, or a huge disaster. Most people buying home insurance do not know exactly what is covered and what is not. Our professional insurance advisers will make sure you know exactly what you are getting when you buy a policy from us.
We have heard so many horror stories from people that had major losses in the past and were not covered properly from their insurance companies. Do not let this happen to you! There are tragedies that could happen at any time, and we want to make sure you are taken care of. Let us help you sleep better at night knowing that you are ready for whatever may come, and you have help from the most trusting and friendly insurance company around.
Here is what a basic homeowners policy will cover:
*Fire or smoke
*Windstorm or hail
*Water (Excluding FLOOD. This is separate but extremely necessary to have. We will make sure you are covered for any and all water damages that may occur to your home.)
*Bodily Injury Liability and defense cost (In the event of a lawsuit because you or your family members were responsible for causing injuries or damage to other people or their property.)
*Loss of use
We know the coverage you will need to make sure you are protected no matter the circumstances. Our professional agents can help you with any homeowners insurance questions and quotes today!