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Florida Homeowners
Insurance Solutions
You need proper coverage to keep your investment protected and to provide your family with the reassurance that they’ll be safe.
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At Excellence Insurance, we understand the comfort and security your home provides and the importance of protecting it. We provide homeowners in Miami-Dade, Broward, Palm Beach and all of Florida with quality homeowners insurance quotes and coverage that offers true peace of mind.
If you have tangible assets, you need the protection of a Florida homeowners insurance policy. A well-written homeowners policy will pay to replace any of your personal property that is destroyed in a fire or other disaster. Your homeowners policy will also be your first line of defense against a lawsuit from someone injured at your home.
Understanding Homeowenrs Insurance Solutions
For any Florida homeowner, insurance coverage is necessary to protect the single largest investment you'll likely make in your life. Fortunately, you can have the professionals at Excellence Insurance in your corner ensuring you have the coverage you need.
DWELLING COVERAGE
Homeowners insurance provides compensation for damage to your property and any attached or detached structures up to the limits of your policy. Most homeowners policies cover loss or damage due to things like theft, and fire, but most will exclude coverage for damage due to hurricanes and floods.
PERSONAL PROPERTY COVERAGE
The contents of your home are covered if they are lost, damaged or destroyed by theft, fire or another covered event. High-value items like jewelry, antiques, electronics and special collections can be protected with additional coverage with scheduled personal property riders that you add on to your standard homeowners policy.
PERSONAL LIABILITY COVERAGE
If you or a family member or even your pet causes an accident, injury or property damage, your homeowners policy can protect you. The personal liability coverage in your homeowners policy will provide for medical care to the injured party, or the costs to repair or replace damaged property.
ARE ALL HOMEOWNERS POLICY THE SAME?
Each homeowners’ policy is tailored to fit the specific needs and lifestyle of the homeowner. There are “standard” policies, however you should talk to your agent to make sure you’ve got the coverages you feel are necessary for your home.
WILL MY HOMEOWNERS POLICY COVER DAMAGES CAUSED BY A FLOOD?
Most standard homeowner's insurance policies do not cover flooding caused by extreme weather conditions such as spring thaw or generalized flooding that originates from outside your home. Even backed-up sewers aren't covered on most policies unless you pay extra for this coverage.
IF A TREE FALLS DURING A STROM AND DAMAGES MY ROOF, AM I COVERED?
You are not only covered for the damage caused to the roof but your expenses of up to $500 in removal of the tree is also covered. However you should be regular in cutting of any dead branches, dying tees and prune branches in the vicinity of your home. It is not just about the safety of your house after all you would not want broken bones in your family.