Homeowner Insurance

You can choose from many different optional types of coverage to help protect your home.

Your policy is that, yours.  You can add optional coverage that fits your individual needs.

Flood protection is not included in most policies, so to help protect your home against floods, you'll likely need to purchase flood insurance.

Want even more peace of mind?  Consider an umbrella policy.


Do I need insurance if I don't have a mortgage?

Your house is likely your largest asset, and therefore is something you want to protect. Most people don't have money sitting around to replace all of their belongings and buy a new house if theirs burns down in a fire.  If not, it's definitely a good idea to maintain homeowners insurance for financial protection.

Do I qualify for a discount?

Here is a list of ways you may lower your insurance premium:

  • Bundling with another type of policy such as auto
  • Being claims free
  • Alarm system
  • Recent home improvements
  • Living in a gated community
  • Marriage
  • Non-Smoker
  • New home
  • Paying in full

Is flood covered?

No.  Flood is covered by a separate policy.  Rates may vary by company.

What is a wind/ hurricane deductible?

A wind or hurricane deductible is a separate deductible in the event of a windstorm or hurricane.  They can be the same or more than your standard deductible.

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