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. 

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.

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.  

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

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.

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. ...

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

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.

Valuable information on Coverage A

When considering your Coverage A limits, it is important you know how much it would cost to replace your home should a total loss occur at today’s building costs.