HOMEOWNERS INSURANCE

The HO3 covers homes and their contents that are occupied by their owners. It protects your home against most risks such as fire, wind, lightning, etc. This policy covers your home for its replacement value. Other coverages included in the homeowners policy are other structures, personal property, and loss of use of your home until it can reasonably be repaired. It also includes personal liability coverage and medical payments to others.

An HO8 is offered on a home you own and live in but in which replacement cost coverage is not available. Rather, this policy covers your home for its actual cash value. This policy is usually sold to owners of older properties when it is not possible to insure the risk for replacement value.

The HO6 protects owners of condominium units. Incidental rental of the condo is allowed as long as you live in the unit four months each year. This policy covers your contents and permanently attached building items inside the condo unit. Personal liability coverage and medical payments to others is included as in the HO3. Many of the same optional coverages available under the HO3 are offered on the HO6.

HURRICANE / WINDSTORM INSURANCE

Our agency represents Citizens Property Insurance Corporation that offers coverage for both hurricanes and other windstorm. Coverage is available for dwellings, contents and more.