Our Services

Protect your home and peace of mind with reliable homeowners insurance designed for Florida residents. Our policies provide coverage for single-family homes and condominiums, safeguarding your property against unexpected damages.

With Florida’s unique weather risks, having the right coverage is essential to protect your investment. Our policies help cover the cost of repairs or rebuilding due to covered damages, as well as liability protection in case someone is injured on your property. Condo owners can also benefit from coverage that complements their association’s master policy, ensuring their unit and personal belongings are protected.

The common misconception is that you need to live close to water to consider flood insurance. This is a myth. Flood Insurance should be obtained regardless of your flood zone. Flood insurance is a separate policy and is not included in the property policy. Floods can be caused in many ways including Tropical Storms, Hurricanes or even a severe Thunder Storm. Don’t get caught in rising water — protect your home with flood insurance. Flood insurance is authorized by the Federal Emergency Management Agency (FEMA). Flood coverage must be purchased as a separate policy as flood damage is not covered under homeowner policies.

Most states require that you carry automobile liability insurance in certain minimum amounts. If you are at fault in an accident, the law requires that you pay the damages sustained by the person who is not at fault. These can include property damage, which is the cost to repair or replace any property that you have damaged. These can also include damages for personal injuries, which include not only the other person’s medical expenses and lost wages but also damages for pain and suffering, permanent injury, and loss of enjoyment of life. These damages can come to thousands of dollars, even for a minor accident. That’s why adequate insurance is essential to your economic health.

A "personal umbrella" is a type of insurance policy that provides additional liability coverage beyond the limits of your primary insurance policies like homeowners or auto insurance, essentially acting as a safety net to protect your assets if you are sued for a large amount exceeding your standard coverage limits in a lawsuit; it kicks in once your primary insurance coverage is exhausted, covering things like bodily injury, property damage, and legal defense costs in excess of your base policy limits. 

Key points about personal umbrella insurance:

• Extra layer of protection:
  • It provides additional coverage on top of your existing insurance policies. 
• High liability limits:
  • Umbrella policies usually offer much higher coverage limits compared to standard policies. 
• Triggered by large claims:
  • This policy only comes into play when a claim exceeds the limits of your primary insurance. 
• Potential coverage for unique situations:
  • May cover certain types of claims not covered by your primary policy, like slander or libel, depending on the policy. 

A "personal articles floater" is a type of insurance policy that provides additional coverage for high-value personal belongings, like jewelry, art, antiques, or expensive electronics, which may not be fully covered under a standard homeowner's or renter's insurance policy; essentially, it acts as an add-on to your existing policy to protect particularly valuable items against loss or damage.