Homeowners

Homeowners Insurance, Renters Insurance, and Condo Insurance are all typically included within the same category of homeowners insurance depending on your Individual needs.

Depends if you own the property that you live on or you are renting it; you need to have insurance coverage to protect your property and personal belongings against disasters and losses.

Homeowners, Condo, and Renters Policy Types

A Homeowners policy is for people who own their own home. Even if they rent it out to others.

This may be either a house or acondominium.  If you have a mortgage on the property you are required to have Homeowners Insurance.

Different Types:

HO-3

HO3 policy is the one of the most common types of homeowners insurance. The coverage is written on an open-perils basis for your home and other structures, which means it can cover any risks except for those specifically excluded in the policy. The property owner must live in the home and not rent any part of it.

HO-6

Condo insurance that can cover liability claims, damage to your condo unit and belongings, and additional living expenses if you're unable to stay in your residence due to a covered incident.

DP-3

This policy refers to an insurance policy covering a residential building, usually rented to others. The most popular Dwelling Fire policy is known as the DP3.

Right now Florida is going through challenging times for the Homeowners Insurance Market.  We represent several Insurance Companies that may be able to meet your needs and expectations! Start your Search. TODAY!