Homeowners Insurance
Homeowners Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
Homeowners Insurance Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.
Homeowners Insurance Information
When you buy a home, you are going to make a significant financial investment. Not only will you have to pay for the home itself, but the property will be a significant maintenance expense and financial liability to you for as long as you live there. You have an obligation to yourself, your family, and others to protect your property as effectively as possible.
Still, you cannot prevent every accident that might occur on your property, which is why you must be prepared for any eventuality. One foundational way to get this protection is to invest in customized homeowners insurance. When you have a quality policy behind you, you will be able to withstand the many costly hazards that might strike any home at any time.
States Insurance Agency is committed to delivering quality homeowners insurance solutions to all Florida residents. Call us at 727-863-8818 or request your quote on coverage now.
Common Home Insurance Questions
Why is Home Insurance Important?
Property costs money, and you want to do everything you can to keep it safe, undamaged and secure. Still, you can never guarantee that something bad—fires, severe weather, lawsuits, break-ins—won't ever happen to you. Hazards like these can happen to anyone, and when they do, they could cause a significant financial setback for the victim.
Where homeowners insurance can help you is by being a financial resource in these challenging situations. It’s there to supply financial help in case unexpected, unavoidable household accidents cause you to face significant setbacks. With it, you won’t have to spend a lot of personal money just because your home, possessions, or someone in your home sustained harm. Therefore, you’ll have the means to get back to where you once were without a huge financial blow.
What Does Home Insurance Cover?
Your homeowners insurance will generally contain many benefits, including:
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Structure protection: This insures your house in case of damage from fires, weather, theft, vandalism or other hazards.
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Detached structures coverage: Other buildings on your property – such as fences, carports, gazebos and detached garages - will have coverage.
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Possessions insurance:This pays for damaged belongings. Protection might cover everything from furniture to food in the pantry and computer systems.
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Liability coverage: If you accidentally harm someone else or damage their property, you can use this coverage to repay them. Coverage will often pay for incidents both on and off your property.
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Additional living expense protection:Do you need to move out temporarily after household damage? Let this coverage reimburse you for expenses like dining or hotel bills.
However, to make your policy meet the unique needs of your home, you will often need special policy endorsements or supplementary plans. These include:
We will always customize your plan to your advantage by helping you tailor your deductibles and overall coverage limits in optimized ways. In the end, we will make sure you always have the protection that your home needs.
How Far in Advance Can I Buy Home Insurance?
Most prospective home buyers must buy a homeowners insurance policy to qualify for a mortgage or other home financing. Therefore, the sooner you get your policy during the buying process, the easier it will be to close on the home and take full possession of it. You must continue to maintain coverage for as long as you have a mortgage, but you should always keep it active, nonetheless.
How Much Does Home Insurance Cost?
Multiple factors could influence the cost of your home insurance, including:
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The value of the home
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The home’s location
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Your credit score
Our agents are committed to helping you get the customized benefits that are always best for you and your security. We’ll work one-to-one with you to decide the best ways to get your home the coverage it deserves at prices you can afford.
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