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Homeowners Insurance Florida

Comprehensive Guide To Del Toro Insurance’s Homeowners Insurance

Sep 14, 2023

Del Toro Insurance provides homeowners throughout the state, including in Hialeah Gardens, Margate, Homestead, Palmetto Bay, Cutler Bay, North Miami Beach, Coral Gables, Hialeah, Naples, and Miami, FL with the best options in homeowners insurance.

Most homeowners will be required to carry a homeowners policy if they currently have a mortgage. The lender requires this information before refinancing or approving a new mortgage to protect their investment in the event of damage to the property. However, even if the home is fully paid off, having homeowners insurance is the best way to provide peace of mind and protection if the home is damaged through fire, vandalism, or a storm.

In the state of Florida, if a homeowner does not have the coverage required, the lender can choose an insurance company and purchase a policy that the homeowner must pay for. The homeowner cannot shop around for the most affordable policy, nor can they adjust the level of coverage, which may not provide the necessary coverage.

What is Covered by Home Insurance?

As your home insurance agency, we take the time to go over the policy and ensure your coverage requirements are met. Different types of home insurance offer different coverage levels and riders, which are additional coverage options added to the basic coverage.

As a general guideline, most homeowners insurance policies include coverage for the dwelling, which includes attached structures like decks and garages, other structures on the property like sheds, fences, and detached garages, as well as personal property coverage.

Personal property coverage includes the items in the home. This coverage provides payment for the items if they are damaged by a covered loss or stolen. Property liability protects the family in the event they are legally responsible for injuring a person or someone else’s property. Guest medical protection helps pay for medical bills if someone is injured on your property or in your home.

Finally, adding additional living expense coverage in Florida is a good decision. This allows you to stay at a hotel or other type of accommodation if your home is damaged due to a covered claim and is not livable until repairs are completed.

Keep in mind, homeowners insurance does not cover flooding or damage from hurricanes and other Acts of God or Acts of War. It is possible to add coverage to the basic homeowners insurance.

Other Insurance Considerations for Your Home

Additional coverage may be important to consider depending on where your home is located. Flood coverage is important if the area where the home is located is prone to flooding. Flood zones in the state have mandatory flood coverage requirements, but it may be practical and proactive to take out flood coverage if storm surge or heavy rainfall is a consideration.

Hurricane insurance is another consideration. This is not a standalone policy, but it is a deductible that is an add-on to the homeowners insurance policy. In areas of Florida where hurricanes are a factor it may be included in a catastrophic insurance policy.

To ensure you have the right coverage for your home and possessions, talk to the experts at Del Toro Insurance. Call us today at 305-335-8676 or drop us a message online to schedule a policy review.


What does Del Toro Insurance’s homeowners insurance policy cover?

Del Toro Insurance offers a standard homeowners insurance policy that covers the dwelling and possessions from fire, theft, vandalism, and other minor storm damage but not flooding or hurricanes. We can provide additional coverage for these perils, just talk to our insurance agent for more information.

What falls outside the scope of Del Toro Insurance’s homeowners insurance coverage?

As with all homeowners insurance coverage, hurricanes, floods, Acts of God, or Acts of War are not covered in the standard policy. We can add these types of coverage to a standard policy.

How are homeowners insurance rates determined in Florida?

Homeowners insurance rates are determined by several factors, including the age of the home, the home’s value, the property type, and the level of coverage requested.

How to choose the right homeowners insurance policy in Florida?

Talk to the insurance experts at Del Toro Insurance. Schedule a call to discuss your homeowners insurance policy coverage needs.

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