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HAZARD INSURANCE SERVING MIAMI, HOMESTEAD, FLORIDA KEY, FT LAUDERDALE, FL - AUTO, HOME, COMMERCIAL, BOAT, RV, MOTORCYCLE
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COVERAGES:
Auto
Boat
Bonds
Commercial Dwelling
Directors & Officers
Dwelling
Errors & Omissions
General Liability
Home
Jewelry Floaters
Motorcycle
Personal Umbrella
Recreational Vehicles
Workers Comp
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Home Insurance
Homeowners insurance helps pay to repair or rebuild your home and replace personal possessions lost due to theft, fire or other disasters such as storms. Although Florida law does not require homeowners insurance, some cities and counties require liability coverage if you own certain pets or a swimming pool. Liability coverage pays for non-automobile related injuries to other people, or damage to their property, for which you are legally responsible.
For mortgaged homes, the lending institution will require full insurance coverage on the structure, including flood (if located in special zone), fire, liability, windstorm, etc. Some developments and subdivisions may also require insurance.
What flood losses are covered?
The Standard Flood Insurance Policy (SFIP) Forms contain complete definitions of the coverages they provide. Direct physical losses by flood are covered. Also covered are losses resulting from flood-related erosion caused by waves or currents of water activity exceeding anticipated cyclical levels, or caused by a severe storm, flash flood, abnormal tidal surge, or the like, which result in flooding, as defined. Damage caused by mudflows, as specifically defined in the policy forms, is covered.
HOME INSURANCE AFFILIATES:
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HAZARD INSURANCE SERVING MIAMI, HOMESTEAD, FLORIDA KEY, FT LAUDERDALE, FL - AUTO, HOME, COMMERCIAL, BOAT, RV, MOTORCYCLE
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© 2012 Hazard Insurance,Inc.
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