Homeowners Insurance in Hialeah, FL & Pembroke, FL

Whether you’re a seasoned homeowner or a first-time buyer, protecting your investment through a homeowners insurance policy is crucial. If you’re having difficulty choosing the right policy, our agents at Government Insurance Corp are here to help.

What Homeowners Insurance Covers

While policies may vary depending on the insurer, homeowners insurance typically covers the following:

• Dwelling coverage may protect the main structure of your home, including attached features like the roof or porch.

• Liability coverage may help cover costs if you’re found responsible for bodily injury or property damage to others.

• Personal property coverage may help protect your belongings, such as appliances, clothing and furniture.

• Other structures coverage may protect detached structures on your property, such as a shed, fence or detached garage.

Does A Standard Homeowners Insurance Policy Cover Hurricane and Windstorm Damage?

A standard homeowners policy usually includes coverage for wind damage, which can apply to hurricanes and tropical storms depending on the policy and any special deductibles. It does not include coverage for rising water, storm surge or flooding. South Florida homeowners typically need a separate flood insurance policy to address those risks, and Government Insurance Corp can help explain the options.

How Can Homeowners Get Affordable Home Insurance Quotes Online?

Homeowners can compare quotes from top area insurers with help from the Government Insurance Corp team. We help local residents review deductibles, exclusions and optional add-ons that address local risks such as flooding and strong winds. Working with an agency like Government Insurance Corp provides homeowners with guidance while still allowing them to find competitive online rates that meet their needs.

When Is Homeowners Insurance Required?

While homeowners insurance is not required in Florida, your mortgage lender may still require you to purchase a policy, given their financial interest in your property. In this case, you may get in touch with your lender and ask about their specific insurance requirements.

If you need a tailored quote or want to evaluate the coverage you already have, contact us at Government Insurance Corp today to get started.