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 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

Other structures coverage

Covers the cost of rebuilding/repairing our home if 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

Other structures coverage

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

Personal liability coverage

Contents coverage

This coverage reimburses you for hotel, restaurant, and other living expenses you may incur due to 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

Personal liability coverage

It covers medical costs if 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.

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 homeowners 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.

Home/Condo Insurance

Homeowners Insurance Policies:

Dwelling coverage

Other structures coverage

Other structures coverage

Other structures coverage

Other structures coverage

Other structures coverage

Contents coverage

Other structures coverage

Contents coverage

Loss of use

Personal liability coverage

Contents coverage

Personal liability coverage

Personal liability coverage

Personal liability coverage

Medical payment coverage

Personal liability coverage

Personal liability coverage

Condominium Insurance Policies

CHOICES OF INSURANCE