Homeowners Insurance

You Now Have Options...

The Heritage Group represents 8 different Homeowner’s Insurance companies which
are all rated “A” by Demotech in terms of financial strength and stability.

Homeowners - Coverage against the insured's property being destroyed or damaged by various perils and coverage for liability exposure of the insured.
Renter's Insurance- Coverage for the contents of a renter's home or apartment and for liability.
Flood Insurance - Coverage for a building and/or its contents against flood damage. Flood insurance is available to homeowners, renters, and business owners in communities participating in the National Flood Insurance Program (NFIP). Flood insurance may be required by law in Special Flood Hazard Areas.
Condominium - Coverage for the insured's personal property, building unit, loss of use from a covered peril as well as liability insurance.
Mobilehome Insurance - Coverage the mobile home and its contents as well as liability coverage.

Home Insurance Coverage Options

Dwelling Protection Coverage
Dwelling Protection Coverage typically provides protection if your home is damaged by a sudden accident, such as fire, smoke, lightning, vandalism or theft, among other covered losses. With Dwelling Protection Coverage, your house and any attached structures, like an attached garage, would be protected.

Other Structures Protection Coverage
If you have a detached garage, fence, gazebo, barn, shed or any other unattached structure that is still part of your property, protect it against physical damages caused by sudden accidents. Other Structures Protection Coverage is similar to Dwelling Protection Coverage, except it covers those structures that are not physically attached to your house.

Personal Property Protection
Your home is more than just the walls of your house; it includes all of your personal belongings, big and small. Personal Property Protection provides protection against covered loss to movable property like a stereo, bicycle, furniture or clothing.

Family Liability Protection
If a friend or neighbor were accidentally injured on your property, you could be legally obligated to pay. Family Liability Protection provides protection for insured persons who become legally obligated to pay for covered accidental bodily injury or property damage to others. This protection does not cover auto liability claims.

Guest Medical Protection
Unfortunately, accidents sometimes happen. Guest Medical Protection provides protection for your guests, who are accidentally injured on your property as a result of a covered loss. This protection pays for the reasonable and necessary medical expenses they incur, regardless of who was at fault.

Additional Living Expenses
If a covered loss occurs to your home and you’re forced to quickly find alternative housing, Additional Living Expenses can help. If a direct physical loss makes your home uninhabitable, Additional Living Expenses reimburses you for a reasonable increase in living expenses necessary to maintain your normal standard of living, up to the amount of time specified in your policy. This may include payments for the additional costs of a place to stay, food and/or other increased living expenses.

Scheduled Personal Property
If you’d like to protect certain items that you keep in your home or on your person (such as an engagement ring), Scheduled Personal Property Coverage might be the right protection for you. You can receive increased protection for many items including, but not limited to, jewelry, watches, furs, stamp and coin collections, fine arts, cameras, personal computers and sports equipment. Ask me if Scheduled Personal Property Coverage is right for you.

Additional Optional Coverages
Several Optional Coverages are available to help broaden the protection you receive. These include Increased Coverage on Securities and Extended Coverage for Jewelry, Watches and Furs. You can also receive protection for business property and certain technology investments. Contact me to find out more about increasing protection for specific items of value in your home.

Please Note: These insurance coverage descriptions are intended only as a guideline. All terms and coverages are defined solely by your policy.

Homeowners Insurance Companies

Cypress
Royal Palm
Citizens
Universal
United
St. Johns
Homewise
Florida Peninsula