What is Homeowner’s Insurance?

This type of insurance is designed to protect an individual’s home against damages to the house itself, or to the belongings within the home. Homeowners insurance also provides liability coverage against accidents in the home or on the property.

There are several forms of homeowners insurance that we utilize and frame with each client situation. They range in name from HO-1 through HO-8 and offer numerous levels of protection depending on the needs.

What doesn’t homeowner’s insurance cover?

While homeowners insurance covers majority of the scenarios where loss could occur, some events are typically excluded from policies, the most common forms are earthquakes, floods or other “acts of God” and acts of war.

For people who live in certain parts of the country, adding an extra policy for earthquake insurance or flood insurance can be a good idea to offer further home protection and peace of mind.

Some homeowners insurance is designed for renters, typically HO-4 or “renters insurance”, and only covers possessions within the home and isolated events not covered in the property insurance held by the owner.

How can Elite Business Insurance help you decide which company is best to use?

Here at Elite Business Insurance, LLC, we make sure to shop hundreds of carriers for each client.

Known throughout the industry as an established independent insurance agency gives us an advantage to the everyday business owner.

Rather than placing a square peg in a round hole, we mold your specific homeowner’s insurance needs into various scenarios offering the best possible carriers with the best prices.

Give us a call to obtain your FREE QUOTE 813-922-3055!!! We look forward to helping you……..