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Most home insurance policies in Florida include four basic parts:

• Dwelling Coverage – Coverage for the actual structure
• Personal property – Coverage for your personal belongings, like furniture, clothes, electronics, etc.
• Loss of use – Coverage in the event that a disaster occurs, and you might need to stay elsewhere
• Liability – Covers you in the event of a lawsuit. For example: If someone gets hurt on your property.

Additionally, to the four basic parts you can also purchase hurricane and windstorm coverage to protect you in the event that a hurricane or windstorm causes damage to your home.

Flood insurance is not normally covered on your homeowner’s insurance but can be purchased as a separate policy.

Our agents are trained to help you shop and package the policies you need to properly cover your home.