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Insuring Florida for Over 30 Years

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Homeowners Insurance

Homeowners' insurance is a specific type of property insurance that typically covers damage or loss by theft and against perils which can include fire, and storm damage. It also may insure the owner for accidental injury or death for which the owner may be legally responsible. Mortgage lenders usually require homeowners' insurance as part of the mortgage terms.

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Components of a Standard Homeowners' Insurance Policy

The standard homeowners' insurance policy is divided into several component parts:

Coverage A Dwelling

Physical Structure of your home such as roof, walls & flooring.

Coverage B Other Structures

Structures other than the main dwelling such as a guest house, shed, or gazebo

Coverage C Personal Property

Belongings such as furniture, clothes, and other personal items

Coverage D Loss of Use/Additional Living Expenses

Pays the additional costs of living away from home if you cannot live there due to a named peril

Coverage E Personal Liability

Provides coverage against lawsuits for bodily injury or property damage that you or family members cause to others

Coverage F Medical Payments to Others

Medical payments up to the limit purchased for small claims

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Home Insurance Coverage

While Homeowners' Insurance can specifically refer to the insurance of a house, it also encompasses the insurance of other types of structures associated with personal residences including tenants (renters) and condominium unit owners.

When obtaining a home insurance policy quotation from Pettineo Insurance Agency, we will need the following information to obtain the most accurate insurance quotation:

• Current Homeowner's Insurance Policy (If applicable)

• Year Built of Home

• Estimated value of personal property

• Most recent wind mitigation inspection (If you are requesting wind or hurricane insurance for your home)

• Most recent 4 Point Inspection (Required by most home insurance carriers if your house is over 25 years old)

Factors Influencing the Cost of Homeowner's Insurance in Florida

The cost of homeowner's insurance in Florida is determined by insurance carriers using a variety of factors such as:

Types and amount of coverage selected

Age of Home

Geographic Area

Construction Type

Your personal insurance claims history

Wind Mitigation Inspection Credits (If wind insurance is selected for your home insurance policy)

Security features of your home (such as fire or burglar alarms)

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Ft. Lauderdale, FL

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Ft. Lauderdale, FL

Serving Florida,

Georgia, North Carolina, South Carolina, and Texas

  • Miami, FL

  • Fort Lauderdale, FL

  • Cape Coral, FL

  • Tampa, FL

  • Orlando, FL

  • Jacksonville, FL

  • Tallahassee, FL

  • Atlanta, GA

  • Savannah, GA

  • Columbia, SC

  • Charleston, SC

  • Charlotte, NC

  • Raleigh, NC

  • Dallas, TX

  • Austin, TX

  • San Antonio, TX

  • Houston, TX

Disclaimer: Insurance coverage cannot be bound or changed via submission of any online form/application provided on this site or otherwise. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly by a licensed agent.

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