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Florida Homeowners Insurance Information
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Whether you own a house, condominium or townhouse, for most people
their home is their most important investment. Landmark Insurance Agency of Delray Beach, FL offers Florida homeowners insurance policies that have flexibility to meet your individual needs and above all, provide you with the security that comes only from the knowledge that your home is safe. |
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Insurance for your home is one of the most popular
and important forms of personal insurance and the typical Florida Homeowners Insurance policy has two main sections: |
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Section I - insurance coverage for your property
Section II - personal liability coverage (to cover you
in case of lawsuits arising from things that happen on your property) |
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Homeowners insurance is often required by lenders to
obtain a mortgage and nearly everyone, whether you own or lease property, should have the protection of homeowners insurance. |
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Florida Homeowners Insurance FAQ
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Click on the link below to fill out a secure quote
request form for a Florida Homeowners Insurance policy that will provide excellent insurance coverage at an affordable cost. Or you can speak with our Florida Homeowners Insurance specialist at (561) 496-2408 to discuss the policy features in more detail. |
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We are a Delray Beach, FL insurance agency offering affordable Florida
homeowners insurance policy premiums in the following cities and counties: Boynton Beach, Gulf Stream, Boca Raton, Lantana, Rainbow Lakes, Atlantis, Lake Worth, South Palm Beach, Palm Springs, Greenacres, Wellington, Haverhill, Palm Beach, Golden Lakes, Riviera Beach, Glen Ridge, West Palm Beach, Lake Park, Royal Palm Beach, Jupiter, Coral Springs, Fort Lauderdale, Parkland, Coconut Creek, Margate, North Lauderdale, Lighthouse Point, Hillsboro Beach, Deerfield Beach, The Hamptons, Highland Beach, Weston, Plantation, Playland Isles, Melrose Park, Lauderhill, Sunrise, Tamarac, Wilton Manors, Oakland Park, Lauderdale Lakes, Sea Ranch Lakes, Villages of Oriole, Pompano Beach, Lauderdale-by-the-Sea, Boca West, Boca Pointe, Juno Beach, North Palm Beach, Loxahatchee, Belle Glade, Palm Beach Shores, South Miami, Cutler Ridge, Princeton, Perrine, Naranja, Homestead, Florida City, Leisure City, Richmond Heights, Pinecrest, Howard, Coral Way Village, Westchester, Westwood Lakes, Brownsville, Sweetwater, Key Biscayne, North Bay Village, Miami Beach, Miami Springs, Virginia Gardens, Hialeah, El Portal, Miami Shores, Medley, Indian Creek, Surfside, Bal Harbour, North Miami, Biscayne Park, Pinewood Park, Opa Locka, Bunche Park, Hialeah Gardens, Palm Springs North, Carol City, Norland, Ojus, Miami Lakes, Biscayne Gardens, Hallandale, Sunny Isles Beach, Golden Beach, Aventura, Uleta, Miramar, Pembroke Pines, North Miami Beach, Hallandale Beach, Ives Estates, Pembroke Park, Coral Gables, Kendall, Dania Beach, Cooper City, Davie, West Miami, Hollywood, Broward County, Martin County, Palm Beach County, and Miami-Dade County, FL. We can also offer our Florida homeowners insurance coverage services throughout the Sunshine state, including Miami, Orlando, Tampa, St. Petersburg, Tallahassee, and Jacksonville, FL. |
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Personal liability in a Florida homeowners insurance policy is also an important part
of having security from accidents that may occur on your property. We suggest you choose coverage limits that are not less than those on other liability insurance you own, such as car insurance. |
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Florida Homeowners Insurance Policy FAQ
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Click on the link below to fill out a secure quote request form for a Florida
Homeowners Insurance policy that will provide excellent insurance coverage at an affordable cost. Or you can speak with our Florida Homeowners Insurance agent specialist at (561) 496-2408 to discuss the features in more detail. |
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Covered losses under a Florida homeowners insurance policy can be paid on either
a replacement cost basis or on an actual cash value basis. When "actual cash value" is used, the policy owner is entitled to the depreciated value of the damaged property. Therefore, the older the item is, the less money you may receive for it. If you choose the "replacement cost" coverage, the Florida homeowners insurance policy will reinburse the amount it costs to replace the property with something of a similar type and quality at current prices. |
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An "All Risks" policy provides the broadest Florida homeowners insurance protection
because it will cover losses that are due to any peril except those specifically excluded in the policy. A "Named Perils" policy covers losses that are due to only those perils listed in the standard Florida Homeowners Insurance policy and typically include fire, hail, windstorm, and other physical losses. |
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Florida Homeowners Insurance Policy FAQ
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If your policy limit is less than 80% of the replacement cost of your home, you will
face a "coinsurance penalty," which means you'll have out-of-pocket expenses to cover costs beyond the policy deductible you chose. For example purposes we will assume your home's estimated replacement value (RCV) is $100,000. The co- insurance clause requires you carry at least $80,000 (80% of your RCV). If you chose to purchase only a $40,000 Florida Homeowners Insurance policy you would be underinsured by half. Therefore, in the example the insurance company would pay one-half of a loss less the policy deductible, so if you suffered a $10,000 covered loss to your house, condominium or townhouse and had a $500 deductible, your policy would only pay $4,500. |
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Florida Homeowners Insurance Policy FAQ
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**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your insurance needs should be discussed with a licensed insurance agent. |
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Replacement Cost or Actual Cash Value
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Florida Homeowners Insurance Policy FAQ
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All Risks or Named Perils
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Coinsurance Penalty
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Personal Liability
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Landmark Insurance Agency
4975 W. Atlantic Avenue
Delray Beach, FL 33445
Palm Beach County, Florida
(561) 496-2408
Fax: (561) 496-7740
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Answer a few questions and we
will provide you with an insurance quote by email, phone or fax. Choose the Florida personal or business insurance coverage you're interested in from the option menu list above. |
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Homeowners
Insurance
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Florida
Personal Insurance
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LANDMARK
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Insurance Agency, Inc.
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Your Florida Homeowners Insurance
Source Since 2000
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Landmark Insurance Agency, Inc.
Copyright 2008-2010 - All rights reserved
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