Securing homeowners insurance in Florida is a highly nuanced process due to the state's unique geographical and weather-related challenges. Working with an independent insurance agent helps deal with these complex situations. Our independent agents are well-versed in the specific risks associated with Florida including hurricanes, floods, and other weather-related concerns.

Just like every home has its unique charm, your insurance needs are one-of-a-kind too! Connect with your independent insurance agent to discover the proper insurance policy that's custom-tailored to YOU.

What is homeowners insurance?
Homeowners insurance is a commonly discussed topic, but what does it really mean? In simple terms, having homeowners insurance offers financial protection in case of disasters. A standard policy not only covers the structure of your home but also the belongings inside.

Homeowners insurance is a comprehensive policy that covers both property damage and your liability for injuries or damage caused by you, your family, or your pets to others. While it includes protection against most disasters, it's important to note that coverage for floods and earthquakes requires separate policies. Additionally, homeowners are responsible for addressing maintenance-related issues.

Why do you need homeowners insurance?
It's all about financial protection in case the unexpected happens to your home or belongings. Your home is likely one of your biggest investments, so having insurance is crucial. If your home is damaged or destroyed, insurance helps with repair or replacement costs.

It also provides coverage if a guest is injured, for theft or vandalism losses, and is often required by lenders if you're still paying for your home. Remember, it's for unexpected damage, not routine maintenance, so understanding what's covered in your policy is key.

Reach out to one of our independent insurance agents today to review your policy to know exactly what's included. While chatting with them, here are a few more things to consider discussing:

• Cost to rebuild your home and replace belongings. Your agent can guide you through this by assessing your home's features and belongings for informed coverage decisions.
• Insurance company's reputation for customer service, fair and prompt claims payments.
• Available discounts, such as multiple policies, security systems, and fire resistance discounts.
• The process for filing and settling a claim. Ask about whom to contact and the steps following the filing of a claim.