Homeowners Insurance

What Is Homeowners Insurance?

Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners’ responsibility.

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Why do you need Homeowners Insurance?

It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That’s important because chances are your home is likely one of your largest investments.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what’s included and what is not.

Things to consider and questions to ask your agent.

Here are few things to discuss with your agent that will influence your decisions.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what’s included and what is not.

We Work With The Nation's Best Carriers to Find You The Best Rates

Why Choose
Home Port?

As an independent insurance agency we can offer the right coverages with the personal touch you would expect from your neighborhood insurance agent.  With the right mix of carriers throughout the state of Florida, we are uniquely positioned to serve your neighborhood today!!

Get the best rates from the best carriers

We work with the highest quality carriers throughout the country to find you the best rates.

Long lasting relationships and excellent service

You always get the personalized touch you expect from your neighborhood agent.

Local service with national expertise

As Florida locals, we understand the unique risks you face in our beautiful state, and we have the resources and experience to keep you safe.

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