Homeowners Insurance for Tampa, St. Petersburg, Clearwater, Dunedin, Tarpon Springs & Beyond

Homeowners Insurance If you have just purchased a new home, one of the first orders of business is to acquire a sound homeowners insurance policy to protect you and your property and cover you in the event that you suffer a loss. Most basic policies will cover your dwelling, or structure, and a basic homeowners insurance policy includes payments to repair or rebuild your home and covers your electrical components, plumbing, air conditioning unit and more.

Once you have determined the basic coverage levels you need for your main structure, you can determine if you need additional coverage, which can include:

  • Possession Coverage: When your personal items are damaged or destroyed, personal property coverage will reimburse you, so you can replace your possessions.
  • Liability Coverage: In the event that a person or their property is negatively affected by your property by way of injury or property damage, liability coverage will help protect you and your assets. In many cases, it will even cover your defense costs should you be taken to court.
  • Expense Coverage: In the event that you are unable to utilize your property, loss of use coverage will typically cover both your temporary housing expenses, along with corresponding living expenses such as meals and more.

Five Brothers Insurance will walk you through each coverage type and explain the details of all of the policy options we provide to ensure you feel confident that you have the level of protection you need. We will also tell you which losses are covered and which are not. For example, most homeowners insurance policies will not cover you for losses in the event of a flood, and for that reason, we often recommend additional flood insurance policies for those who live in flood prone regions. If this sounds like you, you may want to consider getting a flood insurance quote at the same time you are looking for homeowners insurance policies.

At Five Brothers Insurance, we work with a broad range of carriers, which allows us to provide competitively priced policies and find the optimal policy for each one of our clients. Our 28 years of experience has taught us that not every homeowner is the same, nor are their coverage needs. We will always ensure you have sufficient protection to replace or repair your home to its original state. We will also happily provide a flood insurance quote, along with your homeowners insurance policy, if necessary. In addition, Five Brothers Insurance always take the time to truly listen to each of our clients’ particular set of concerns, answering each and every question along the way.

If you are looking for homeowners insurance and live in Tampa, St. Petersburg, Clearwater, Dunedin, Tarpon Springs, any other region throughout Florida or beyond, please contact us today. Our team of experienced insurance experts will gather some initial information about your property and coverage requirements and work quickly to provide you with rates on any policies you may need, from a flood insurance quote and homeowners insurance quote to boat insurance quotes, recreational vehicle insurance quotes and more.