Home Insurance

Home insurance is arguably one of the most crucial policies you can purchase. That is why Family Insurance Services is committed to helping you navigate your way through the insurance arena and toward a reliable, secure Florida home insurance plan.

In order to secure you the most effective coverage, it is vital for us to take the time necessary to fully understand your unique insurance requirements—because quite frankly, every home and Florida homeowner is different.

A home is a huge investment of your time and money, so you want to make sure that it is adequately protected by an insurance company that you can trust. Your home contains precious memories, which you certainly don’t want to risk losing.

With a Florida home insurance policy, your property is protected against what are called events of “peril.” Such events include fires, theft, vandalism, etc. The liability coverage in these policies generally covers legal responsibility for incidents that may occur. Incidents are usually defined as any injury and/or property damage that may occur at your home.

You could also potentially need insurance to protect you from having to pay for:

• Storm damage, fire, windstorm, lightning, and hail
• Dog bite liability 
• Manufactured home coverage
• Trampoline or swimming pool liability insurance
• Wind damage
• Sinkholes
• Flood damage
• Sewer or septic backups
• Replacement cost for personal property
• Umbrella liability insurance

Working with an independent insurance brokerage like ours, you will be able to explore all your options and choose the type of protection that best suits your needs.

When it comes to choosing the right homeowner's insurance, there are a few things to keep in mind. Before you insure your home, keep in mind that:

• Most standard policies do not cover sewer backup, which can be added to a plan
  
• Usually, damages caused by surface or subsurface water are not covered
  
• Standard homeowner's insurance typically does not cover flood damage
  
• Most policies only cover jewelry within set limits and only if the loss resulted from one of the perils named on the policy
• Many policies only cover the cash value of items, meaning that your belongings, such as a TV or home theater system, will be valued at their depreciated cost. 
  
• IMPORTANT: You can bundle Home and Auto policies (and more) for even more savings.

• Frame houses
• Concrete Block Structure (CBS) homes 
• Manufactured homes
• Mobile homes on acreage
• Condos
• Townhouses
• Secondary homes
• Rental properties
  
• Seasonal resident homes
  

As one of Florida’s leading independent insurance brokers, Family Insurance Services has the ability to shop multiple carriers nationwide to help you find different Florida homeowners insurance quotes at the most competitive rates—no matter where you are located across the state, we are here to help you protect what matters most.

At Family Insurance Services, we know what may work for one Florida homeowner, won’t necessarily work for you. Give us a call today to learn more about our all-encompassing Florida home insurance policies. One of our knowledgeable insurance agents would be happy to provide you with a thorough coverage evaluation and provide you with a free home insurance quote. 

Insurance coverage cannot be bound or changed via submission of any online form/application provided on this site or otherwise. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly by a licensed agent.