Home Insurance For Port St. Lucie And All of South Florida
Home Insurance provides financial protection against a loss. A standard policy insures the home and the belongings contained in it. At Harbor Insurance we work to provide our clients with the broadest and most comprehensive policy available in order to make you whole again after a loss.
If a hurricane, fire, flood, or a strong storm roars through your neighborhood, are you comfortable with the current insurance protection you have for your home?
If you are a victim of theft or your home is vandalized, coverage may be available to pay for your repairs after a loss.
Do you have the proper liability coverage on your Homeowners Insurance if a guest is injured? If a guest in your home is injured, the liability protection limit and medical expenses coverage purchased with your policy can help pay for such expenses.
It's Not Complex, But There Is A Lot To Think About
Whether you are a new home buyer, recent homeowner or seasoned veteran, Harbor Insurance can help clarify Home Owners Insurance for you:
Replacement Cost: Is your policy set up so that you get cash value (what an item is worth) or the more relevant replacement cost (what it costs to replace an item)?
Limits: Make sure your limits match the value of your home, the market value of your home has no bearing on insurable value. Our agents will review a comprehensive replacement cost evaluation to review your homes individual features and personal property so you can make an informed property insurance decision.
Coverages: Sewer back-up coverage, personal liability coverage, inflation guard, vandalism, contents coverage, ground collapse and more. there are various protection plans that you may want but are not unaware of. We can provide an in depth view of these coverages and how they apply to you and your needs.
Home Maintenance: Normal wear and tear of your home is not covered on your Home Insurance policy. Maintenance items like an aging roof, overgrown vegetation and/or pests and vermin (termites, snakes, rats, bed bugs, etc.) are not covered perils on a home owner's policy. Maintenance related problems are the responsibility of the homeowner.
Discounts: Are you taking advantage of all of the ways you can save money on your Homeowners Insurance costs? Multi-policies with the same company, inflation protection and home alarm are just a few of the discounts you may be eligible for.
Did you know that Homeowners' coverage does not protect you against floods? An additional Flood Insurance policy for this type of protection is needed; a Flood Insurance policy is separate from your Home Owners Insurance policy.
We will work together, review these coverages and others that may be available to you so that you can make informed and educated decisions.
Harbor Insurance Serves The Treasure Coast, West Palm Beach and South Florida
Harbor Insurance represents over 30 insurance companies out of four Florida offices in Port St. Lucie and West Palm Beach. We have several decades of combined insurance experience working for you. We live, work and play in the surrounding neighborhoods just like you; from Jupiter, Tequesta, Palm Beach, Port St. Lucie, Vero Beach, Boca Raton to Wellington and beyond.
We will identify exposures you may be subject to and provide options to you in order to receive the best protection for your home and in return you will have peace of mind.
Get started today! Come visit our office, give us a call or simply fill out the Homeowners Insurance Protection Savings Form on this page to get started.