Homeowners Insurance

An Amazing Investment Deserves Excellent Protection

Owning a home is an amazing accomplishment and the result of hard work and careful planning. When you buy a home, it only makes sense to protect your investment with homeowners insurance. Our agents at FA Insurance Services Corp. listen to our clients’ needs to find them the best-suited homeowners insurance options. We have 10 years of experience in the insurance industry and are well connected with the insurance options available to clients in Cutler Bay, Doral and Homestead, FL. We promise to go above and beyond to ensure that your property is protected and you feel secure. Contact us to speak privately with an agent and receive a free quote for your home or condominium.

The Right Level of Homeowners Insurance Coverage

Your homeowners insurance is designed to protect your home and property financially after the unexpected occurs. It also protects you financially if someone else sustains an injury or property damage while in your home or on your property.

When you work with an agent at FA Insurance Services Corp., we can help you choose the right level of coverage for your home and personal property. We help our clients make detailed, itemized lists of their belongings so we can set coverage limits appropriately. We will also help you choose limits for medical and legal coverage if someone is injured or sustains property damage while on your property.

Property Coverage and Additional Living Expenses

Your policy is designed to protect your home; that is, the structure that is your house or condo and any other structures on your property. It also protects the belongings within your home, including your electronics, furniture, jewelry, collectibles and items of sentimental value. Your insurance policy will pay out a claim to repair or replace your home and personal property if they are listed in your coverage agreement. It will also help pay for additional living expenses, including costs for housing and relocation while your home is repaired.

You are probably curious what events are caused by your homeowners insurance policy. Most policies in Cutler Bay, Doral and Homestead cover damage or loss caused by:

  • Fire
  • Hail
  • Wind
  • Lightning
  • Robbery
  • Vehicle or aircraft collision
  • Vandalism

It is important to note that flood insurance is most commonly not covered in a homeowners insurance policy. Your agent at FA Insurance Services Corp. can help you apply for flood insurance through the National Flood Insurance Program so you are fully covered against disaster.

Personal Liability and Medical Coverage

Personal liability and medical coverage are designed to protect you from potentially enormous costs relating to an injury or property damage another person incurs on your property. Personal liability coverage covers fees for legal representation if you are sued because of an incident and will pay the claim if you are found responsible. We can help you determine what limits make sense for your family to protect you from serious financial obligation after an incident.

Medical coverage financially protects you if a person sustains an injury on your property, regardless of if the injury was your fault or the individual’s fault. Keep in mind, medical coverage does not cover you or your family members. You should ensure that you have proper health insurance to cover these types of costs.

Trust Us to Protect Your Most Valuable Assets

We offer the personalized service that can make the difference between a great and a subpar experience choosing a homeowners insurance policy. Our agents are here to answer your questions and support you at every step of the way. In the unfortunate event that you need to find a claim, we can help facilitate the process so that you can get back to living your life, sooner. Contact FA Insurance Services Corp. today about your insuring your home in Cutler Bay, Doral or Homestead.