Homeowners and Personal Insurance


 
Family sitting outside — Insurance in St Petersburg, FL
 
Whether you own your home or renting you need to protect your home and personal belongings against damages caused by Fire, lighting, theft, hurricannes. Purchasing a homeowners policy will give you the protection you need against unexpected disasters.
The typical homeowners insurance policy covers the house, the garage and other structures on the property, as well as personal possessions inside the house such as furniture, appliances and clothing, against a wide variety of perils including windstorms, fire and theft. The extent of the perils covered depends on the type of policy. An all-risk policy offers the broadest coverage. This covers all perils except those specifically excluded in the policy.
 
Homeowners insurance also covers additional living expenses. Known as Loss of Use, this provision in the policy reimburses the policyholder for the extra cost of living elsewhere while the house is being restored after a disaster. The liability portion of the policy covers the homeowner for accidental injuries caused to third parties and/or their property, such as a guest slipping and falling down improperly maintained stairs. Coverage for flood and earthquake damage is excluded and must be purchased separately.
 
 
Girl checking on her bag — Insurance in St Petersburg, FL
 

Personal Liability Insurance

No one is completely immune to the risks of everyday life. Whether you're on your way to the mall or doing some work in the garden, an unforeseen event can take the wind out of your sails. There are many good reasons to protect yourself against such eventualities. Look to our experts for valuable advice on the myriad insurance policies on the market today.
Whether you're hosting a private party or are on your way to the supermarket, accidents can always happen and you could be held responsible. Liability insurance protects you from the claims of third parties.
 
Personal liability insurance can protect you from serious financial trouble. It provides protection against unintentional harm to others and the resulting damage claims.
Some policies may also extend coverage to your household pets. We'll help you determine which policy is right for you.

Call 727-896-0006 to Get Your Personalized Insurance Quote