Homeowners Insurance Florida
To express the feeling of warmth, you will receive here at the Citizens Insurance Agency in Florida, we must first touch on the quaintness and comfort of a family-owned business. Here at Citizens Insurance, we strive to ensure that every customer’s experience is as unique and individual as you are. The Citizens insurance family has been active in the insurance industry for four generations, dating back to the early 1974′s.
Your Citizens Florida Insurance Agency
Florida Homeowners Insurance agent in one of the Florida Farms office, insurance is their only business. They set their focus on representing their clients with only the highest intentions and service.
The Citizens Insurance agency of Florida specializes in – but is not limited to Florida
- Homeowners Insurance,
- Automobile Insurance,
- Motorcycle Insurance,
- Personal Umbrella Insurance,
- Flood Insurance,
- Boat Insurance,
- Commercial Automobile Insurance,
Business Liability Insurance, and Financial Services that relate directly to their clients’ insurance needs.
Citizens Insurance Florida makes this promise to you as their customer: They will provide you the highest level of customer service so that you feel comfortable referring your family and friends to us as well. For your personal, customized, and positive insurance experience, stop into the Citizens Insurance agency in Florida, for your quotes today.
Types of Homeowners Insurance Policies
Homeowners insurance policies are sold in two forms – monoline and package policies. While a monoline policy offers only one type of coverage, package policies offer different policies like liability, property insurance Florida , etc. When homeowners’ insurance is purchased as a package policy, it is cheaper than a monoline policy. When you decide to approach Florida homeowners insurance companies, you should know the coverage options offered by a different type of insurance policies.
Basic Policy
Each policy covers certain types of mishaps known as ‘perils’ and insures your home against these perils. The basic policy is known as the Homeowners-1 (HO-1) and offers coverage against perils like damage caused by fires, smoke, lightning, windstorms, theft, vandalism, physical injuries to anyone on your property, repairs of property damage caused by you and costs of related legal proceedings. Damage caused by civil riots or emergencies and explosions are also covered in this policy. If your home is unlivable due to damage, this policy will also account for your increased living expenses.
Broad Form Policy
The broad form policy covers all the perils listed in the basic policy and a few additional ones. In addition to the listed perils, the broad form policy or Homeowners-2 (HO-2) covers costs of damages caused by falling objects like ice or snow, water overflow caused by damaged pipelines of plumbing, air conditioning, sprinkler systems and heating.
Special Form Policy
This policy is the most popular policy offered by Florida homeowners insurance companies. Also known as Homeowners-3 (HO-3), it provides coverage for all damages caused to your home excluding a few perils that are specified in the particular policy. Perils like nuclear accidents, earthquakes, floods and war are usually excluded from this agreement. However, for an additional premium, you can include these perils in your policy.
Comprehensive Form Policy
Also known as the Homeowners-5 (HO-5), the comprehensive form policy covers the same list of perils as the special form policy, as well as damages caused to personal possessions. It comes with an exclusion list that mentions the perils that will not be covered on your home.
