(561) 737-3737

call

(561) 737-3737

Home/Condo Insurance

Ever since Hurricane Andrew, the Homeowners Insurance situation in Florida substantially changed compared to the remainder of the country. Palm Beach Quote Insurance has been doing business with many of the companies that continued to do business and also the newer ones that were established after that storm.

Palm Beach Quote Insurance is in the position of having relationships with multiple homeowner insurance companies offering many choices to our customers.  Some of these companies may not be nationally recognized names, but have become the standards in Florida.

This is our forte. We are uniquely qualified to help our clients through Florida's complicated homeowner insurance requirements and coverage choices.
 

Homeowners Insurance Policies:

 

Dwelling Coverage

  • Covers the cost of rebuilding/repairing our home in the event that it is damaged or lost by a covered peril such as wind, hail, lightning or fire.
     
  • The amount of dwelling coverage that you should purchase should be enough to cover the cost of rebuilding your home in the event of a complete loss.

Other Structures Coverage

  • Covers the cost of rebuilding/repairing the additional structures on your property other than your home.  This includes detached garages, sheds, and other detached buildings on your property that may be damaged by covered perils.

Contents Coverage

  • Covers the cost of replacing your possessions, or home's contents, in the event that they are destroyed in a covered peril (wind, fire, hail, lightning, theft, etc.)

Loss of Use

  • This coverage reimburses you for hotel, restaurant and other living expenses you may incur as a result of your home being uninhabitable.
     
  • The purpose of this coverage is to help you maintain your standard of living in the event of a disaster.

Personal Liability Coverage

  • This coverage provides comprehensive personal liability coverage for you and family members residing in your household for claims resulting from bodily injury to others or damage to the property of others.

Medical Payment Coverage

  • Covers medical costs in the event that someone is injured on your property.
       

Condominium Insurance Policies:

 
  • As a unit owner, you must insure your private property and you must make sure that your personal insurance program coordinates with the Association's Master Policy to prevent gaps in coverage. The master policy protects the common areas or property that is owned collectively by all condominium owners.

Unit Property Coverage

  • This includes portions of your unit such as walls, partitions, built-in appliances, etc., structure owned solely by you.
     
  • Condominium coverage also includes the following as described in the homeowner section. Such as: 
  • •  Contents Coverage
  • •  Loss of Use
  • •  Personal Liability Coverage
  • •  Medical Payment Coverage
  • Please remember that your property insurance policy does not cover flood.  This coverage needs to be purchased separately.  Contact us today for a policy review and a free no obligation quote.
Important Notice. This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy. For an actual description of all coverage, terms and conditions, refer to the insurance policy.
Website Builder