Florida Homeowners Insurance

Is State Farm “dropping” your Homeowners Insurance?  Lamarca Insurance will be happy to pick it up for you!

Your home is one of your most valuable assets, do you have it protected?  There are many things to consider when selecting a Homeowners Policy, and the coverage that it offers.  We offer you Homeowners Insurance based on your needs today, not based on what your needs were in the past.  Because your home is likely one of your most valuable, and precious assets, we will review your policy annually to be sure your coverage’s are still suitable based on your home’s value, the assets contained in the home, and or on your property.  To assist you in determining what coverage’s you desire, please take a look at the Florida Homeowners Terms listed below.

We can provide Homeowners Insurance on your Primary, Secondary, and Seasonal Residence whether it is a Single Family Home, Condo or Mobile Home.

Our goal is to find you the policy that you need at a price you can afford.  Many Insurance Carriers offer discounts for the following:  Deadbolt Locks,  Fire Extinguishers,  Monitored Fire & Burglar Alarms,  Fire Sprinklers,  Roof Shape,  Recently Constructed Homes,  Construction Type,  Hurricane Shutters/Impact Glass,  and Multiple Policies with the Carrier; , if these Discounts apply, please be sure to add them to the Comments Box on the Quote Form.

Florida Homeowners Terms

Dwelling Coverage provides funds to replace or repair your home in the event of damage caused due to a covered peril.

Replacement Cost is the cost to replace your home with like kind and quality in the event of total loss.

Actual Cash Value is the Replacement Cost less depreciation.

Personal Property Coverage covers the cost to replace the personal contents of your home that are not a permanent part of the dwelling. This coverage only applies in the event of loss due to covered peril.

Loss of Use provides financial assistance while your home is being repaired if the home is unlivable as a result of a covered loss.

Personal Liability protects you, your spouse, and related residents under the age of 21 for claims you’re legally obligated to pay from things such as injury, illness, sickness, disease, and death. This coverage may also cover the cost of defending claims against you.

Medical Expense may pay for injuries to parties that do not reside in the covered dwelling for which you are legally responsible.

Peril is a hazard or risk such as but not limited to fire, lightening, wind or hail.