Replacement cost on your policy helps pay to repair or replace damaged property as a result of a covered peril, without deducting for depreciation. This coverage may be available for both your personal property and your home. It is important to discuss replacement cost with your insurance agent when purchasing your policy.

The hurricane deductible is the amount of the loss that the policy holder is responsible for in the event of a covered claim. Hurricane deductible amounts vary but typically offer 2%, 5% and 10%; these are percentages of the dwelling coverage limit.

The All-Other Peril, or AOP, deductible is usually a flat dollar amount and not a percentage of the dwelling coverage like the hurricane deductible. The AOP deductible typically covers losses such as fire, theft, vandalism, water damage, etc. as long as it’s a peril covered by your policy type and not excluded.

Dwelling insurance coverage is the part of your standard homeowner’s insurance policy that covers the main structure of your home. Structures that aren’t directly attached to your home, such as a detached garage, are not typically covered by dwelling insurance, but may still be covered by other parts of your homeowner’s insurance policy.

Liability insurance protects you if you are responsible for someone else’s injuries and/or property damage.

Most insurance companies recommend that you document your personal property with photos, receipts, and video recording to ensure a stress-free claim process.

Yes, please call the agency at 954-493-1586 and one of our agents will better assist you on how to proceed with the claim process. You can also call the insurance company directly if you are unable to contact the agency due to the hours of operations.

There’s no law that requires you to insure your home, however banks require it as a condition of your mortgage. Your home may be one of your biggest investments and that investment should be protected with homeowner’s insurance. There can be huge financial losses if there is damage to your property as a result of a storm, fire, flood, etc. and there’s no active insurance policy to help you rebuild your home.