Benefits (A Homeowners Insurance coverage brings)
Comprehensive coverage that will protect your property against damage from storms, theft, smoke, fire, vandalism, and other hazards.
Coverage for the structure of your home:
This part of your policy pays to repair or rebuild your home if it is damaged or destroyed by fire, hurricane, hail, lightning or other disaster listed in your policy. It will not pay for damage caused by a flood, earthquake or routine wear and tear. When purchasing coverage for the structure of your home, it is important to buy enough to rebuild your home.
Coverage for your personal belongings:
Your furniture, clothes, sports equipment and other personal items are covered if they are stolen or destroyed by fire, hurricane or other insured disaster. Most companies provide coverage for 50% to 70% of the amount of insurance you have on the structure of your home. So if you have $100,000 worth of insurance on the structure of your home, you would have between $50,000 to $70,000 worth of coverage for your belongings.
Liability covers you against lawsuits for bodily injury or property damage that you or family members cause to other people. It also pays for damage caused by your pets. So, if your son, daughter or dog accidentally ruins your neighbor’s expensive rug, you are covered. However, if they destroy your rug, you are not covered. The liability portion of your policy pays for both the cost of defending you in court and any court awards—up to the limit of your policy. You are also covered not just in your home, but anywhere in the world.
Additional Living Expenses: For when your home is unsafe or damaged to such an extent that living there is impossible, we’ll cover the living expenses you incur living elsewhere.
The option to add coverage for precious personal property, such as musical instruments and jewelry.
Replacement Cost Coverage; we’ll replace your lost personal belongings with new equivalents of the same quality.
Personal Property Replacement: In the occasion where your personal possessions are destroyed or damaged, our Personal Property Replacement Service will assist in locating the exact items you lost – or its closest match – and we will ship them to you quickly.
At Allied Insurance Group we know the importance of having Florida homeowners insurance because even though the state has beautiful weather, it is also vulnerable to hurricanes, flooding, and wind damage. If you want to protect your beautiful Florida home at an affordable price and with quality service, then your search for Florida homeowner’s insurance companies ends here! We guarantee that you will be fully satisfied with our services and we can provide you with a homeowner’s insurance Florida quote before you commit to anything.
Purchasing homeowners insurance in Florida can be tricky and daunting. You know all the possible natural disasters and want to make sure that you will always have a place to call home, even if your home undergoes some damage.
As experienced professionals, we can thoroughly explain Florida homeowners insurance and what makes it more or less expensive for your home. We may even suggest what you can do to improve your home’s durability and reduce the cost of your homeowner’s insurance in Florida. Our staff understands what a serious investment homeowners insurance is, and we are prepared to answer all your questions and walk you through the process.
Allied Insurance Group is proud to have an exceptionally experienced staff that always has your best interest in mind. You may find a number of Florida homeowners insurance companies, but we are sure that you will find none that compare to us! We know Florida climate and provide our customers with reliable recommendations. We take into consideration the structure of your house as well as your personal belongings so you can rest easy and enjoy your home!