Homeowners Insurance in Pinellas Park, FL

Homeowners Insurance

Homeowners insurance provides property owners in Florida a sense of security and peace of mind. This kind of insurance can help you financially recover from damage to your home, whether you own or rent the property.

You can also rely on homeowners’ insurance to protect you financially if someone gets hurt on your property. Allow our team at Gator Insurance Service to review your insurance needs and make recommendations for the best coverage options available. You can reach us today at (727) 544-0064 to get started.

Types of Homeowners Insurance 

Homeowners insurance acts to protect you after a destructive event occurs on your property. It also provides liability coverage, which applies if someone sustains an injury while on your property. For example, you could rely on this kind of insurance if someone slipped on your walkway during a rainstorm.

We can help you get the coverage you want through:

Personal Homeowners (HO-3)

HO-3 insurance policies – or open perils policies – represent the most common kind of homeowners insurance. This kind of policy covers all perils except those which the policy specifically excludes. However, this kind of insurance only offers 100% coverage to your dwelling, not other structures or personal property.

Homeowners insurance can cover repairs for fires, flooding, vandalism, and more. It can also cover replacement costs for collectibles, pictures, and jewelry.

Rental Dwelling (DP1)

DP1 policies generally cover vacant properties, but you can also use them for rentals. These policies only cover nine hazards, including:

  • Explosions
  • Riots
  • Smoke
  • Hail
  • Windstorms
  • Fire and Lightning
  • Volcanoes
  • Vehicles
  • Aircrafts

You cannot get coverage for other forms of damage from a DP1 policy, which means these policies don’t offer flood insurance.

Renters Policy (HO4)

HO4 insurance offers protection for a renter’s personal possessions. You can also get a renter’s insurance policy for personal liability protection.

Un-updated Homeowners (HO8)

You can get an HO8 policy to cover older buildings. We recommend this kind of home insurance coverage if your home’s replacement cost exceeds the market value of the building.

Vacant Property Insurance (DP3)

DP3 policies provide fire insurance for vacant buildings. This kind of policy only provides protection for the physical structure, not any possessions inside the building.

Property Commercial Insurance

Commercial property insurance can protect businesses from hazards while providing business owners with liability insurance options.

Learn More About Homeowners Insurance

Many people wonder if you have to have this kind of insurance. The state of Florida doesn’t legally make you carry this kind of insurance, but if you don’t have it, you may face serious losses in the event of a hurricane or disaster.

Homeowners’ insurance rates generally go up every year as a way to ensure your insurance covers all possible losses. Inflation causes the cost to rise most years, so you should expect small increases to your rates over time.

Select the Right Homeowners Insurance

Shopping for homeowners’ insurance can allow you to protect your belongings and your home while ensuring you get the best coverage at the best rate. Because of the different options available to you, this can be a tedious process.  You can take the right steps to shop for this kind of insurance by:

  • Looking for companies in your area that offer insurance
  • Asking friends or family for recommendations
  • Going over customer reviews for different companies

We know that life is busy, and you may not have the ability to fully search for what you need.  Allow us to take shopping for insurance off your plate.  We will work with our partners to get the best coverage at the best rate to give you peace of mind. 

Contact Us for Homeowners Insurance

Gator Insurance Service provides homeowners’ insurance options for property owners and renters in Florida. You can contact us to learn more about our policies and rates by calling (727) 544-0064. We can discuss all your options, enabling you to pick the policy that works best for you.