Know what your buying when you talk insurance, not all policy forms are created equal and it is easy to be misled by agents that sell price. Start with the value of your home, what does it cost to replace it, get a professional appraisal. This is not the selling price or what your neighbor has. Even insurance company's estimators very greatly, it is up to you to know the value. The State of Florida allows certain coverages to be reduced, if you are unaware of this early on it may cost you thousands of dollars later. Let us help lead you through the buying process affording you the best coverage while keeping in mind the premium cost. This process should be done every so often to assure you are properly insured and are comfortable with your coverage.
Types of Homeowners Insurance Policies and Basic Forms They Are Commonly Written On:
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Homeowners Insurance (HO-3, HO-8)
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Condominium Insurance (HO-6)
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Unit Owners/Renters Insurance (HO-4)
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Mobile Homeowners Insurance (HO-3 usually modified)
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Dwelling Fire Insurance (DP-1, DP-3)