Florida Homeowner Insurance

Whether you own a house, condominium, townhouse, or
apartment, for most people, their home is their most
important investment. We offer Florida homeowner's
insurance policies that have flexibility to meet your
individual needs and above all, provide you with the
security that comes only from the knowledge that your
home is safe.

Homeowners insurance is one of the most popular forms
of personal insurance and the typical Florida homeowner's
insurance policy has two main sections:

Section I - insurance coverage for your property

Section II - personal liability coverage (to cover you in
case of lawsuits arising from things that happen on your
property)

Homeowners insurance is often required by lenders to
obtain a mortgage and nearly everyone, whether you own
or lease property, should have the protection of Florida
homeowners insurance.

Click on the link below to fill out a quote request form for
a Florida homeowner insurance policy that will provide first
class homeowner insurance coverage at an affordable cost.
Or you can call us toll free at 1-866-454-9555 to discuss
the policy features in more detail.

Covered losses under a Florida homeowners insurance policy can be
paid on either a replacement cost basis or on an actual cash value basis.
When "actual cash value" is used, the policy owner is entitled to the
depreciated value of the damaged property. Therefore, the older the
item is, the less money you may receive for it. If you choose the
"replacement cost" coverage, the homeowner's insurance policy will
reinburse the amount it costs to replace the property with something of
a similar type and quality at current prices.

An "All Risks" policy provides the broadest Florida condominium,
townhouse, and homeowners insurance protection because it will cover
losses that are due to any peril except those specifically excluded in the
policy. A "Named Perils" policy covers losses that are due to only those
perils listed in the standard homeowners insurance policy and typically
include fire, hail, windstorm, and other physical losses.

If your policy limit is less than 80% of the replacement cost of your
home, you will face a "coinsurance penalty," which means you'll have
out-of-pocket expenses to cover costs beyond the policy deductible
you chose. For example purposes we will assume your home's
estimated replacement value (RCV) is $100,000. The co-insurance
clause requires you carry at least $80,000 (80% of your RCV). If you
chose to purchase only a $40,000 Florida homeowners insurance
policy you would be underinsured by half. Therefore, in the example the
insurance company would pay one-half of a loss less the policy
deductible, so if you suffered a $10,000 covered loss and had a $500
deductible, your policy would only pay $4,500.

Personal liability in a Florida homeowners insurance policy is also an important
part of having security from accidents that may occur on your property. We
suggest you choose coverage limits that are not less than those on other liability
insurance you own, such as auto insurance.

"Your local south Florida homeowners insurance specialist!"

We offer affordable Florida condominium insurance and homeowners insurance
policies in the following south Florida counties and cities: Miami-Dade County,
Broward County, Palm Beach County, Coral Gables, Kendall, Richmond
Heights, Pinecrest, Howard, Coral Way Village, Westchester, Westwood
Lakes, Brownsville, Sweetwater, Key Biscayne, North Bay Village, Miami
Beach, Miami Springs, Virginia Gardens, Hialeah, El Portal, Miami Shores,
Indian Creek, Surfside, Bal Harbour, North Miami, Biscayne Park, Pinewood
Park, Opa Locka, Bunche Park, Hialeah Gardens, Palm Springs North, Carol
City, Miami, Norland, Ojus, Miami Lakes, Biscayne Gardens, Hallandale, Sunny
Isles Beach, Golden Beach, Aventura, Uleta, Miramar, Pembroke Pines, North
Miami Beach, Hallandale Beach, Ives Estates, Pembroke Park, Hollywood,
Dania Beach, Cooper City, Davie, Weston, Plantation, Playland Isles, Melrose
Park, Lauderhill, Sunrise, Tamarac, Fort Lauderdale, Wilton Manors, Oakland
Park, Lauderdale Lakes, Sea Ranch Lakes, Pompano Beach, Margate, Coral
Springs, North Lauderdale, Lighthouse Point, Hillsboro Beach, Coconut Creek,
Deerfield Beach, Boca Raton, The Hamptons, Highland Beach, Boca West,
Delray Beach, Boca Pointe, Boynton Beach, Lantana, Rainbow Lakes, Atlantis,
Lake Worth, South Palm Beach, Palm Springs, Greenacres, Wellington,
Haverhill, Palm Beach, Golden Lakes, Riviera Beach, Glen Ridge, West Palm
Beach, Lake Park, Royal Palm Beach, Jupiter, Juno Beach, North Palm Beach,
Loxahatchee, Belle Glade, Palm Beach Shores, South Miami, Cutler Ridge,
Princeton, Perrine, Naranja, Homestead, Florida City, and Leisure City, FL

South Florida Homeowners & Condo Insurance

Insurance Benefit Agency, Inc.

Florida Homeowners Insurance

Homeowners Insurance FAQ

Replacement Cost or Actual Cash Value

Florida Homeowners Insurance FAQ

All Risks or Named Perils

Florida Homeowners Insurance FAQ

Answer a few questions and
we will provide you with a no
obligation quote by phone.
Choose the FL individual or
group insurance coverage
you're interested in from a
menu above.

"Your Miami, Florida

Area Homeowners

Insurance Agent"

Request a Quote Here!

We can cover your one million dollar plus home for replacement cost
with insurance from top rated insurance companies. Insurance that offers
coverages for hurricane, flood, fine arts, paintings, jewelry, and
additionally umbrella insurance of over $1 million.

Individual Insurance

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Property Underwriters of Florida

Insurance Benefit Agency, Inc.

409 W. Hallandale Beach Blvd.

Suite # 215

Hallandale, Florida 33009

(305) 931-5988

(954) 454-9599

Toll Free: (866) 454-9555

Fax: (954) 843-0313

Homeowners Including Hurricane / Wind & Flood

Wind Mitigation Discounts Applied in Many Cases

Click on the link below to fill out a secure quote request form for a Florida
homeowner insurance policy that will provide first class homeowner insurance
coverage at an affordable cost. Or call us toll free at 1-866-454-9555 to
discuss the policy features.