(727) 521-4253

Quality Homeowners Insurance


Homeowners Insurance

Homeowners insurance provides coverage to replace or rebuild your home when a loss occurs. Your home should be insured to full replacement cost using current prices for building material and labor cost, including bring the structure into compliance with current building codes. Market value, taxable value and land value may have little or no bearing on insurance value.

Coverage A- Dwelling

Dwelling pays for direct physical loss to your home.

Coverage B- Other Structures

Other structures pays for direct physical loss to other structures on the residence premises that are not attached to the dwelling.

Coverage C- Personal Property

Personal property pays for direct physical loss to personal property owned or used by an insured.

 

Example: TV, furniture, clothing, appliances

Items such as Jewelry, furs, antiques and firearms have limited coverage.

Coverage D- Loss of Use

Loss of use pays for additional living expenses incurred if the home is deemed unfit to live in.

 

Example: Extra cost of food, housing, relocation, storage

Regular bills are excluded i.e. mortgage, groceries, utilities

Coverage E- Personal Liability

Personal liability protects you against bodily injury and/or property damage for which an insured is deemed legally liable.

 

Example: Neighbor slips and falls on wet floor at your home and they are suing you.

Coverage F- Medical Payments

Medical payments covers 3rd party medical bills if injured on insured premises, regardless of negligence.

 

Example: Friend trips over own feet and breaks arm

Covered Perils

N

Windstorm including Hurricane

N

Hail

N

Lightning

N

Fire

N

Theft

N

Vandalism

N

Smoke

N

Catastrophic ground collapse

Commonly Excluded Perils

M

Earth Movement

M

Water Damage

M

Flood

M

Sinkhole

M

Power Failure

M

Neglect

M

War

M

Intentional Loss

Contact Us Today!

If you have an insurance question, please give us a call at (727) 521-4253 or call toll free at 888-896-4806 to set up a meeting. We would love to get to know you. If you would prefer, feel free to Request a Quote Online. It is the first step in Northeast Underwriters creating a program to suit all of your insurance needs.

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