selling-your-home-cedar-shingle-home-300x171 Homeowners Insurance

  An individual’s home is probably the single most valuable asset they will purchase during their lifetime. Of course, insuring something as valuable as your home/condo can be a difficult process. It can be very complicated, in order to find the right coverage for an individual’s needs. Below is a simple explanation of basic coverage all/most insurance companies in Florida offer. Like all of our products, we recommend talking to a licensed agent. There is no cost to speak to one of our agents. This is often the best way to find the most appropriate coverage that fits a homeowners specific needs.

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Property

Property coverage helps pay for damage caused by covered perils to your home, the contents of your home and other personal belongings owned by you or family members who live with you. In some cases, it helps pay for damage to other structures, such as tool sheds, detached garages, small boats, guest houses and their contents. Your insurance agent or company can point out the items covered in a given policy.

Additional Living Expense (ALE)

Homeowners’ policies provide Additional Living Expense coverage that will pay some extra expenses if damage to your home prevents you from living there while it is being repaired. Most policies also will provide this coverage when a civil authority (law enforcement agency, emergency management service, etc.) prohibits the use of a residence or access to a residence due to direct damage to neighboring homes by a covered threat.

Personal Liability

This coverage protects you against a claim or lawsuit resulting from (non-auto) bodily injury or property damage to others. For example, if a neighbor slips and falls in your house and sues you, and a jury finds you legally liable, this coverage would pay that claim plus legal fees up to the policy limits. This coverage applies to you and all family members who live with you. It does not cover intentional damage or harm caused by you or family members who live with you. Check your policy for exclusions and discuss them with your agent.

Medical Payments

Regardless of fault, this coverage pays for medical expenses, up to the medical payment limits, of persons accidentally injured at your home. It does not apply to your injuries or those of anyone living with you, or to activities involving an at-home business.

Sinkholes and Catastrophic Ground Collapse
Florida insurance companies are not required to automatically sinkhole coverage on new or existing homeowners’ insurance policies. However, they are required to inform homeowners that sinkhole coverage is available for an additional premium.

  1. Insurance companies must include “catastrophic ground cover collapse” which means: The abrupt collapse of the ground cover;
  2. A depression in the ground cover clearly visible to the naked eye;
  3. Structural damage to the building, including the foundation; and
  4. The insured structure being condemned and ordered to be vacated by the governmental agency authorized by law to issue such an order for that structure.

A policyholder can purchase many various endorsements such as, Replacement Cost vs Actual Cash Value, Water Back/ Sump Overflow, Ordinance & Law Coverage and many others options. However, please keep in mind not every insurance company offers all the same enhanced endorsements. Finding the right coverage for your property in Florida can be quite difficult. This is why we highly recommend contacting a knowledgeable All American Insurance Licensed Agent at 754-263-2160

When purchasing a Condo or Mobile-home insurance policy. The same rule will apply. Please remember a licensed insurance agent is just a phone call away at All American Insurance Consultants 754-263-2160 FAQ’s

Please note description of coverage is not property of All American Insurance Consultants. This is a universal description set forth by the State of Florida. More details can be found at Auto tool kit issue of 2015

Why choose us for Your Homeowners Insurance?

Customer Service – Our agency will process your homeowners Insurance in a timely manner.  We are available seven days a week via phone, e-mail and fax.  Agency staff will guide you in purchasing homeowners insurance that fits your needs.

Family owned and operated  Our agency understands that customers are important.  We wouldn’t have a job if we didn’t have you.

Multiple Carriers – All American Insurance can provide insurance from many different homeowners insurance carriers. We will quote with all of them to find you the best rate for your particular situation.

Statewide coverage – All American Insurance can provide homeowners insurance for every city in Florida including Jacksonville, Tampa, Orlando, St. Petersburg, Miami, Tallahassee and Palm Beach.

Contact a Licensed Agent Today! 754-263-2160

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  • Office Info

    Email: david@allamericaninsure.com
    Tel: 754-263-2160
    Fax: 754-484-3832

    4120 Davie Road Ext. Suite 304
    Hollywood, FL 33024