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The coverage you need where you live.

Homeowners

Renters Insurance

Condo Insurance

Flood Insurance

 

Insurance Tip:

Don't be under-insured.

69% of homeowners are under-insured

 

We recommend our clients find the best policies that cover replacement costs instead of "actual cash value" coverage which will only cover the current depreciated value.

Reduce your financial risk by protecting your home.

We help you get the best coverage for your home because we know your geographic area and we can help you make sense of the many options available to you - saving you money and giving you piece of mind.

 

What does homeowners insurance cover?

Broadly speaking, insurance covers potential loss from burglary or theft, severe storms, fire, and also your personal liability.  Other risks, including flood, require separate policies for coverage.

 

Make sure your personal belongings are covered.

When choosing the amount of property coverage you want, consider what it would cost to replace all of your personal items in the event of a total loss.  Our agents work hard to help you accurately determine the coverage you will need so you are covered if you suffer a loss.

 

There is no guess work with us.

We have the knowledge and experience to recommend policies that take the guesswork out of getting your home covered. We analyze all risks for your home and present the many options available while also exploring all eligible discounts.

 

Insurance Tip:

Don't over-buy.

 

Many people find cheap renters insurance policies online, but there are a number of downsides.  It can be difficult to sort through the terms of your insurance and fully understand what you are getting without an agent.  Plus, an agent can help you identify cost saving discounts!

What is Renters Insurance?

Renters Insurance is a low-cost coverage for your personal belongings so you can recover from loss, damage or theft and injuries or damage you may experience in your rental space.

 

Is Renters Insurance Necessary?

Regardless of your living situation, our agents will help you determine if you really need renters insurance coverage, if it is worth the investment, and how you can get the best deal.  With a number of carriers at our fingertips, we can help you find the right fit!

 

Is Renters Insurance Expensive?

In 2010, U.S. tenants spent an average of $185 per year for their renters insurance policies.  At only $15/month, having coverage is extremely valuable for peace of mind and if you experience a loss.

 

Let our agents help you accurately evaluate the amount of coverage you will need.

 

 

Insurance Tip:

Vacant Condo Insurance will cover your condo when nobody is living in it.

 

These policies tend to be very inexpensive.  If your condo will be empty for several months at a time, vacant condo insurance might be a good option for you.

What is Condo Insurance?

Condo insurance covers personal property damage and liability risks faced by condo owners and picks up where the condo association insurance leaves off.  Most mortgage companies require you to buy condo insurance and remain covered for the life of your loan.  Condo insurance is designed to protect you from financial loss if someone is injured in your home and from damages and loss due to burglary, fire or other incidents.

 

What is NOT covered by insurance for Condos?

Condo insurance will not cover damages to personal property caused by flooding; you must have a separate flood insurance policy if rising water from a river or other waterway damages your home.  Keep in mind that flood insurance requires 30 days from the date of purchase before it will provide coverage, so do not wait until a flood warning to purchase a policy.

 

In addition, condo insurance will not typically cover damages to your property caused by your car or truck, or damage to your vehicles. While in some cases you can add a personal watercraft or ATV to your policy, the coverage offered for these recreational vehicles is often very limited. Insurance professionals recommend purchasing separate policies specific to your specialty items, boats, recreational toys and vehicles.

 

Let our agents help you make the most informed decision about the amount of coverage, deductible options, and rates by presenting you with a number of different options that will meet your needs.

 

Insurance Tip:

Premiums for flood insurance do not change from company to company; they are set by FEMA and are based on risk of flood damage.

The Facts:

  • Floods are the #1 natural disaster in the U.S.
  • The average flood insurance claim in recent years is $35,000
  • From 2002-2011, total flood insurance claims in the U.S. averaged nearly $3 billion annually.

 

Flood protection is NOT covered in your homeowners policy and must be purchased separately.

 

Flood insurance won't ever pay out any more than the exact amount of the policy.

 

What events does flood insurance cover?

Flood insurance covers physical damage to structures affected by flooding from runoff following heavy rainfall and any damage caused from erosion due to currents or uncommon water cycles (for example, if your home is built along a shore that collapses due to waves, currents or rising water).

 

Our agents are knowledgeable about flood insurance for Florida communities and will help you determine your need for flood coverage.

Let's Get Started

Schedule a Free Consultation

We invite you to schedule an appointment with one of our agents so we can discuss your insurance needs and qualifications for money saving discounts.  Please fill out the form below:

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Two Locations to Serve You Better:

Gainesville, Florida

West Palm Beach, Florida

We look forward to meeting you soon!

Gainesville

West Palm Beach

420 NW 39th Avenue

352-371-6667

fax: 352-371-3440

Office Hours:

Monday - Friday

8:30 am - 5 pm

2976 S Military Road #4

561-433-0449

fax: 561-433-5036

Office Hours:

Monday - Friday

8:30 am - 5 pm

Saturday

10 am - 2 pm

Walter Agency

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