Homeowner's & Renter's Insurance
Homeowners insurance is critical to protect your financial interests if your home is damaged or destroyed by a covered peril. A peril is something that causes or may cause injury, loss, or destruction, such as a fire, tornado, or hurricane. With the experienced agents at Elite Insurance Group, we can help you determine what type of coverages you need for your home and situation.
Homeowners insurance typically covers the entire residential property and dwelling, including attached structures, certain unattached structures, and your personal property. It also works to protect you against theft, ensuring all your items should they be stolen during a break-in. Additional Living Expense (ALE) and coverage for liability is also normally included. Of course, as with any policy, any and all coverage is subject to the limits specified in the policy.
There are special limits on certain items such as jewelry, guns, furs, money, cameras, art or antiques, etc. These can be discussed further with your agent, and we’ll work hard to make sure you get coverage you need with whatever policy adjustments possible.
Flood damage is not covered by your homeowners insurance policy, along with a few other potential disasters. If you need flood coverage, as many people in Florida do, then you can add that policy separately. There are a few other common exceptions to homeowners insurance as well, but you can work with your Elite Insurance Group agent to make sure you get the specific coverages you need.
Covers your property within your apartment or rented home and also your personal liability. In the event of a major environmental disaster or a theft at your rental property, your landlord’s homeowners insurance will not protect your items. Get in touch to get covered today!