Florida provides homeowners insurance customers with an environment that has the potential to damage or destroy their most valuable asset! In Central Florida our experiences with Hurricanes provide first hand evidence of the importance of homeowners coverage. Fires, floods, tornados, and sinkholes are additional potential disasters Central Florida Homeowners have the opportunity to be prepared for with the right coverage.
At Brokers Insurance, we recognize that in Orlando not all homeowners policies are created equal and we are prepared to work with you to provide a personalized homeowners insurance policy with the correct type and amount of coverage for your dwelling and your personal possessions.
Brokers insurance has the experience and expertise to match your homeowners insurance needs with premier coverage for the best cost!
Insuring Your Home
We will work with you to make sure you have the appropriate amount of coverage should you need to rebuild your home. Our specialists will also provide you with options for choosing the best deductible for your policy. We are here to make sure you get the best coverage for your home at the best price.
Insuring Your Personal Property
Your possessions represent valuable investments that need protection. In the case of a disaster, this coverage will provide you with coverage for your personal property. We work with you to determine what type(s) of coverage is needed to provide you with coverage for destroyed or damaged personal items.
Liability insurance represents a significant component of homeowners insurance because this coverage is designed to provide protection against injury or property damage claims. Stay protected against claims that could result in devastating economic losses to you and your family.
Flooding is cited by FEMA (the Federal Emergency Managment Agency http://www.fema.gov/hazard/flood/index.shtm) as a promenent hazard facing homeowners across the United States. In Florida we are especially prone to heavy rains from tropical depressions, tropical storms, and hurricanes that can cause significant damage to homes. The National Flood Insurance Program explains that “Just a few inches of water from a flood can cause tens of thousands of dollars in damage. Over the past 10 years, the average flood claim in the U.S. has amounted to over $33,000” http://www.floodsmart.gov:80/floodsmart/pages/residential_coverage/rc_overview.js
Analysts and industry experts agree that the best way to protect yourself from this hazard is by acquiring flood insurance. This converage is available to homeowners, renters, condo owners and renters, as well as commercial owners and renters. Costs for this coverage is dependent upon the amount of coverage chosen, what is covered, and the flood risk of the property.
At Brokers Insurance we will work to customize your policy according to residence type. Different policies are required for distinct residence types. For exampe, Home Insurance policies are typically designed to provide for complete replacement of a structure along with sheds and detached garages. Condominium and Manufactured homeowners and renters insurance have different terms that clarify their policies. For example, renters Insurance: typically personal posessions and liability; Manufactured homes: full replacement of home with additional policies required for sheds and garages.