Brokers Insurance Group

Homeowners, Condo Insurance

The A,B.C's of insuring your Home, Condo, Duplex, Triplex, or other type dwelling.

A typical homeowners policy consists of six different categories of coverage.

Dwelling: Depending on your type of policy and its coverage, this part tells you how your home is covered. The total coverage should represent the cost to rebuild (not the market value).
Other Structures: This coverage is for structures unattached to your home: sheds, fences, gazebos, detached garages, etc. The amount of coverage is 10% of your dwelling coverage (i.e. $200,000 = $20,000 of coverage).
Personal Property: Items such as electronics, clothing and furniture are included in this coverage. Some carriers may exclude off- premise theft and animal liability. Typically 50% of your dwelling coverage is allocated for personal property. Certain exclusions and limitations may apply, especially for items like Art, expensive jewelry, collectibles, etc. You may need to purchase a scheduled personal property policy or rider for these additional coverages.
Loss of Use: If your home is damaged to the extent of being uninhabitable, this coverage will pay for housing (hotel, motel) while your home is being repaired or rebuilt.
Personal Liability: Protects your family from a lawsuit, should someone become injured on your property - i.e., someone falls on your walkway and is injured. Should a lawsuit occur, this coverage will help pay for your legal defense.
Medical Payments: Pays medical expenses for someone injured on your property -- i.e., friend falls and breaks finger.

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Windstorm Insurance

Windstorm Insurance is a required coverage by every mortgage lender for properties in the Florida wind pool area (generally east of I-95 in Broward, Dade and Palm Beach County). The property eligibility for Windstorm coverage is determined by your Brokers Insurance Group Agent using Citizens Property Insurance Corp qualification data Windstorm insurance covers damage resulting from Hurricanes, Tornados, Wind Gusts, Hail or any wind related damage.

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Flood Insurance

Flood insurance is required for any residence that is located in a special flood hazard area. Your Brokers Insurance Group Agent will request a flood zone determination report for your property. If your property is located in any zone rated AH, AE, AO, A1-10, or V, you will be required to have Flood Insurance by your Mortgage Lender. To go to the Flood page, click on this icon

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Automobile Insurance

Brokers Insurance Group covers all type of motor vehicles including: Cars, Trucks, SUV, Vans, RV's Motor Homes, Motorcycles, Mopeds, Sports Cars including high value autos such as: Porsche, Ferrari, Lamborghini, Mercedes, etc. Brokers Insurance Group also offers coverage for boats -- from Jet Skis to Yachts. To go to the Auto page, click on this icon

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Insurance Coverage Details

Homeowners, Condo Insurance

Windstorm Insurance

Flood Insurance

Automobile Insurance