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From category archives: Florida Peninsula

Florida Peninsula is one of the top ten homeowners insurance carriers in Florida with over 100 years of combined insurance experience. We believe no homeowner should buy into an insurance policy without the right knowledge. As such, we’ve assembled a rich catalog of home insurance information in our homeowners insurance 101 blog. Learn the basics of homeowners insurance, from introductions to insurance terminology to details about coverage options and more.

Homeowners Insurance: Coverage F or Medical Payments to Others Coverage

Learn from Florida Peninsula Insurance Company how Coverage F works in the event you need to file a claim should someone be injured on your property.

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Homeowners Insurance: Coverage D Explained

As we are in the midst of the peak of Hurricane Season, it is important to understand what your homeowners insurance policy covers. You do not want to wait until the unexpected occurs to learn you may not have adequate coverage. As such, we would like to provide you with some information on Coverage D. What is Coverage D? Coverage D, or what is often referred to as “loss of use” or “additional living expenses” coverage provides coverage for the additional living expenses incurred, as a result of your home being deemed uninhabitable due to damage sustained from a covered peril. To learn more about Coverage D, please watch the video from Florida Peninsula’s Penny below. What does “loss of use” coverage provide? In the event you are displaced from your home due to a covered peril such as a windstorm or a fire, Coverage D will provide assistance for: temporary residence moving expenses storage fees transportation fees other expenses associat ...

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What is Recoverable Depreciation? – Florida Peninsula Insurance

As a homeowner, it is important you understand how your claim may be settled, prior to a loss occurring. Florida Peninsula Insurance Company explains what Recoverable Deprecation is in-depth and how it can benefit you.

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Do College Students Need Renter’s Insurance?

Your typical homeowner’s insurance policy usually does not cover students living off-campus, which is why it is essential to purchase a separate renter’s insurance policy. 

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The Importance of Creating a Home Inventory

Florida Peninsula Insurance Company provides tips on creating a home inventory, which will assist policyholders when asked to provide proof of the items in their home should theft, damage, or a loss occur.  

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Choosing a Homeowners Insurance Carrier

Florida Peninsula Insurance provides some important information on choosing a homeowners insurance carrier as there are many factors homeowners will want to consider. 

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Understanding Your Homeowners Insurance: Policy Deductibles

Homeowners Insurance can be quite confusing. Learn about homeowners insurance deductibles, including Hurricane and All Other Perils Deductibles and how to determine the right deductible for your needs.

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The Importance of Flood Insurance

Updated: April 1, 2020   Flooding is the most common and most costly natural disaster in the United States. Floods can occur for several reasons including storm surge from tropical storms and hurricanes, river overflow, or even heavy rainfall. Every home is at some risk of experiencing flood damage, and surprisingly, only a small percentage of homes are covered by flood insurance.   What is Flood Insurance? Many homeowners believe their home insurance policy covers flood damage; however, a standard home insurance policy does not cover damages caused by floods. A separate flood insurance policy is needed to protect your home and possessions should they be damaged from rising water. You do not need to live in a flood zone to experience flood damage. In fact, FEMA reports roughly 25% of all flood claims come from moderate to low-risk areas and living in Florida, you are at a greater risk to experience flood damage.   If you live in Florida, you need flood insurance. ...

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What Is Personal Property Insurance?

We'll discuss what personal property insurance is and how covered losses impact your coverage so you can choose the right policy. 

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What is Other Structures Coverage – Coverage B?

Other Structures coverage, otherwise known as Coverage B on your homeowners insurance policy, which is typically the second line item on your policy declarations page. Other Structures coverage protects physical structures which are on your property and not attached to your home.

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