Statewide Insurance

Home  / Homeowner

11354 Quail Roost Drive Miami FL 33157

Tel (305) 233.6638

Fax (305) 123.4567

statein1@bellsouth.net

Homeowners Insurance

Home / Condo

• Dwelling

• Condo-Owners

• Vacation Homes

• Contents

• Flood

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• Second Homes

• RV/Mobile Home

• Windstorm

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The Homeowners Insurance Policy

 

We offer broad protection that you can trust, plus affordable rates, and outstanding service.  If something like fire makes your home uninhabitable, the Homeowners Insurance covers the increased costs of a place to live until you can move back in.

We can replace personal belongings at replacement value – not the depreciated value.

 

Homeowners insurance can help protect you in case of a liability lawsuit against you.

 

This could occur in a situation where you are held responsible for:

  • Injury to another person
  • Damage to another person’s property

 

This could apply whether the incident occurred within your residence or elsewhere.

 

We offer protection for your dwelling, as well as your personal possessions and personal liability.

 

If a fire or natural disaster makes your home uninhabitable, your homeowners insurance policy will cover the cost for you to live elsewhere until you can move back in.  We can replace your personal belongings at replacement costs and will not take into account depreciation.

 

Your homeowners insurance can also protect you in case of a liability lawsuit against you.  A lawsuit can occur in any situation where someone receives an injury while in you home.  Lawsuits can come from guests, contractors or any individual inside the premises of your property.

 

We pride ourselves in offering broad protection you can trust.  We will provide you with the most affordable and accurate rates for your home.

What is a Flood?

 

Anywhere it rains, it can flood. A flood is a general and temporary condition where two or more acres of normally dry land or two or more properties are inundated by water or mud flow. Many conditions can result in a flood: hurricanes, broken leaves, outdated or clogged drainage systems and rapid accumulation of rainfall.

 

Just because you haven’t experienced a flood in the past, doesn’t mean you won’t in the future. Flood risk isn’t just based on history, it’s also based on a number of factors: rainfall, river-flow and tidal-surge data, topography, flood-control measures, and changes due to building and development.

 

Flood-hazard maps have been created to show different degrees of risk for your community, which help determine the cost of flood insurance. The lower the degree of risk, the lower the flood insurance premium.

 

Floridians understand the serious damage that floods can do in. Even the small ones can often leave their mark of destruction. However, flood coverage can often be overlooked, since it’s not included in a standard homeowners policy. Often, Florida residents find out about this much too late.

 

At Accurate Insurance, our agents work hard to find the flood policy you need to protect your home and property. We work with different carriers in order to find the coverage that best fits your needs and budget.

We want you to be confident that our flood policy will come through for you to protect your property from water damage, sewer backup, and mildew resulting from floods. Besides paying for repairs to your building, our flood coverage also includes expenses to pay for your damaged contents.

 

At Accurate Insurance, we’re your flood insurance experts. To learn more, please contact us at any time, or simply fill out our free quote form!

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Contact Details:

11354 Quail Roost Drive

Miami FL 33157

Tel (305) 233.6638

Fax (305) 233.9969

20523 Old Cutler Road

Cutler Bay, FL 33189

Tel (305) 233.4611

Fax (305) 233.7848