A Home in Coral Gables, Florida


Family in despair looking at their home on fire.
Standard Homeowners Insurance policies will typically help pay to repair damage caused by certain risks, or perils including:


Fire and Smoke


Falling Objects

Frozen Plumbing

Water Damage from water Heater, heating or cooling system or appliances

Homeowners Insurance provide financial protection against disasters.  A standard policy insured the home itself and the things you keep in it.  Homeowners Insurance in Florida is a package policy. It covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people.  
Types of Property Insured by The Insurance Ladies



Renters Policy​

Rental Properties

Builders Risk


Damage caused by most disasters is covered but there are exceptions.  The most significant are damage caused by floods, earthquakes and poor maintenance.
Coverages of A standard Homeowner's Policy
Covers damage or destruction to your house in the case of any untimely events.
Personal Property
Covers the contents of your house that are damaged, stolen, or destroyed including furniture, clothing, technology and appliances.
Covers you against financial loss if you are sued and found legally responsible for someone else's injury or property damage.
Medical Expenses
Covers necessary medical expenses incurred in the event there is an accident at your home that caused bodily injury to someone.
Loss of Use
Covers additional living expenses if your home is uninhabitable due to a covered loss. Most insurance policies pay 10% to 20% of the amount of your dwelling coverage.
Other Structures
Covers damages or destruction to other structures on your property, such as your garage, patio, fence, gazebo, small shed or barn.

Florida homeowners insurance premiums are the most expensive in the nation  (and continuing to rise), finding

ways to save money with compromising protecting can be a challenge.   Below are the possible discounts

you could take advantage of. 

Family Room Showing Personal Property

Discounts that reduce  the chances of a loss occurring and a claim being filed.

  • New roof or roof Style.  

  • Having a new roof or a hip roof can 

  • help reduce your insurance premium. ​​

  • Impact Windows​

  • Fire Safety Precautions

  • Smoke detectors hooked into a

  •  monitoring system can also provide a

  •  potential discount​

  • Having a monitored fire alarm system and

  • Burglar Alarm System​

  • Claims Free History​

  • Living in Gated Community