Purchasing Homeowner’s Insurance in St. Petersburg or the Tampa Bay Area can get confusing, and at AIA Insurance Services we understand this. Many mortgage companies require Homeowner’s insurance as part of their finance agreements with home owners and if you don’t have a mortgage, homeowner’s insurance can protect your investment. If you are faced with the sometimes daunting task of shopping for homeowner’s insurance, don’t fret! AIA Insurance Services is an independent insurance agency that can shop a multiple carriers to get you the best home insurance policy available to you!
Homeowner’s coverage doesn’t have to be difficult to understand. Typically, a basic Florida homeowner’s insurance policy will cover the following:
- The structure of your home
- Replacement costs
- Personal possessions (up to a set limit)
- Living expenses in case of a disaster
You can also add supplemental policies such as:
- Valuable Articles/Floater policies (i.e. Jewelry Insurance)
- Flood policies
- Earthquake policies
- Umbrella policies (additional liability)
- Animal Liability (liability issues due to household pets)
The needs of every home owner are different and your St. Petersburg or Tampa Bay Area homeowner’s insurance policy should reflect that. The agents at AIA Insurance Services will create a homeowner’s insurance policy that will best suit you and your family. Contact us today for more information on our comprehensive homeowner’s insurance policy options. Fill out our quick and simple form for a free home insurance quote!
Need an insurance quote for your condo or townhouse? You’ve come to the right place.
If you own a townhome or condo, you have different insurance needs than the typical homeowner. Not only do you own your individual condo, you also share ownership in the common areas and overall structure of your building.
If shared areas need upkeep and maintenance, your association will typically handle the expense through their insurance package. Although your association dues help pay for upkeep of the common areas, they do not typically cover your personal property within your own unit, or your liability if someone is injured on your property.
Condominium insurance provides protection where condo associations do not. Condo and townhome coverage protects your possessions within your unit, including furniture, appliances, kitchen and bath facilities and your personal items. If you plan on upgrading your unit, any improvements you make will also be covered under your policy, including wall units, renovations, wallpaper.
If you would like to feel more secure, you should look into purchasing a condo or townhome insurance plan from Alandale Insurance Agency. Contact us to get a condo or townhouse insurance quote right now!