The Easiest, Most Affordable Way To Insure Your Home and Protect Your Investments
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- Choose From Over 15 A+ Top Tier Companies
- We Insure Any Age Home At Any Location
- Local Agency Since 1986
- We’ll Design A Custom Tailored Plan Specific To Your Home
Florida Insurance Solutions is a Florida Independent Insurance Agency.
Whether you currently own a home or are a prospective buyer, we at Florida Insurance Solutions will help you find the right Homeowners Insurance policy at the right price.
We will easily explain the circumstances distinct to Florida homeowners, along with mortgage requirements and the difference between dwelling, personal property, liability, medical payments and loss of use coverage as well as available discounts.
We are familiar with the unique Florida homeowners insurance environment and will make sure your homeowners insurance policy will provide adequate coverage to protect your home from fires, hurricanes, break-ins and more.
Florida Insurance Solutions will work with you to find the most secure and affordable way to protect your home, belongings and valuables.
Home Insurance Coverage — What Is Covered
Standard home insurance coverage policies provide the following types of coverage:
-Dwelling — Pays for damage or destruction to your house and any unattached structures and buildings. Examples include fences, attached garage, or patio cover.
-Personal Property — Covers the contents of your house, including furniture, clothing and appliances, if they are stolen, damaged, or destroyed.
-Liability — Protects you against financial loss if you are sued and found legally responsible for someone else’s injury or property damage.
-Medical Payments — Covers medical bills for person(s) injured on your property.
-Loss of Use — Pays for additional living expenses if your home is uninhabitable due to a covered loss. Most standard Florida Homeowners Insurance policies pay 10% to 20% of the amount of your Dwelling coverage.
Frequently Asked Homeowners Questions
Q: Does my policy cover floods?
A: Florida homeowners insurance does not cover damage caused by flood. Unfortunately, most people do not find this out until it is too late. Ask us for a flood insurance quote.
Q: Does my policy cover hurricane damage?
A: Yes, most homeowners insurance policies will cover damages cause by windstorms. The deductible for hurricane damage can range from 2% to 10% of the insured value of the dwelling depending on the policy.
Call us at 813 253-0819 and we will provide you the best quote from over 20 homeowners carriers.