Homeowners Insurance in 32092 Zip Code
Types of Homeowners Insurance

Many people decide to buy insurance to protect the value of their homes and property. Homeowners insurance is designed for just this purpose, offering protection against loss for a fixed term. But these policies are not all alike. Before you contact an insurance agent to get a quote, you should familiarize yourself with the different types of policies.

  • Basic Form Homeowner Policy - The most basic type, this covers eleven different kinds of hazards to your home. These include damages sustained by fire, hail, and vandalism.
  • Broad Form Homeowner Policy - This policy offers coverage for seventeen different perils, including all of those listed in the Basic Form Homeowner Policy. The additional coverage offered includes protection against freezing pipes and electrical surges.
  • Special Form Homeowner Policy - The most popular type, this differs from the previous two in covering damage from all sources except those specifically excluded. Among those perils commonly not covered include floods and earthquakes.
  • Renter's Insurance Policy - This type is intended for persons renting a house or apartment. For a fixed term, it protects one's belongings against the same hazards listed in the Broad Form Homeowner Policy.
  • Premier Homeowner Policy - This is the most comprehensive type, offering a wide range of protection for the life of the policy.
  • Condominium Policy - This is intended for persons who own a condominium unit. It covers one's personal possessions and offers liability protection against lawsuits for the life of the policy. The building itself is generally covered by a separate policy bought by the landlord.
  • Mobile Homeowners Policy - As the name indicates, this is a policy designed for mobile homes.
  • Older House Policy - This is intended for older residences made of materials difficult or impractical to replace with contemporary methods. It is sometimes used for homes considered historical landmarks.

  • 816-842-3600
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    3536 Edgewater Dr
    Orlando, FL 32804
    Providing 32092 area clients with affordable Homeowners Insurance. Contact our licensed brokers in the 32092 area for more information about life, auto, and Home Insurance.
    301 Kingsley Lake Dr Ste 502
    Saint Augustine, FL 32092
    1 Spencer St
    Saint Augustine, FL 32084
    28 Clark St
    Saint Augustine, FL 32084
    1631 Race Track Rd Ste 206
    Saint Johns, FL 32259
    115 Solana Rd Unit A
    Ponte Vedra Beach, FL 32082
    5000 Us Highway 17 Ste 19
    Fleming Island, FL 32003
    12412 San Jose Blvd Ste 201
    Jacksonville, FL 32223
    12443 San Jose Blvd Ste 1003
    Jacksonville, FL 32223
    2491 Us Highway 1 S
    Saint Augustine, FL 32086
    1301 Saint Johns Ave
    Palatka, FL 32177
    10748 Deerwood Park Blvd Ste 156
    Jacksonville, FL 32256
    100 Whetstone Pl Ste 207
    Saint Augustine, FL 32086
    2820 Us Highway 1 S Ste C
    Saint Augustine, FL 32086
    307 S State Road 19
    Palatka, FL 32177
    9961 Chelsea Lake Rd
    Jacksonville, FL 32256
    352 High Tide Dr
    Saint Augustine, FL 32080
    5039 Sunbeam Rd
    Jacksonville, FL 32257
    9880 San Jose Blvd # 3
    Jacksonville, FL 32257
    5039 Sunbeam Rd
    Jacksonville, FL 32257
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