Complete Homeowners, Condo, Renters, Hurricane and Flood Insurance Coverage
Homeowners, Condo and Renters Insurance In Central Florida
Viera Insurance Agency offers a complete line of full-coverage homeowners insurance, condo insurance and renters' insurance.
A well-designed homeowner, condo or renters insurance policy will protect your home and/or belongings against loss and damages caused by various extreme weather events such as: storms, wind, lightning, hail and damage from freezing weather. It will also cover you for losses due to accidental damage done to your home by fire, smoke damage and even explosions.
Your Homeowners Insurance
Your homeowners insurance policy will cover you against damages to the entire structure of your home, including the entire roof and all the external walls. It will also cover all the contents of your home and all your possessions in the event of storm damage and also in the event of loss or damage from criminal acts such as vandalism, or theft in the event they are stolen.
A complete homeowners policy also includes liability insurance, which protects you in the event that someone claims they were hurt or harmed in your home or on your property.
Condo Insurance in Florida
Condo insurance is different than homeowners insurance in that it must be based on what types of coverage your governing condominium association has. A typical condo insurance policy in Florida will insure your possessions and the interior structure of your condo. Coverage is available for your condo whether it is your primary home, vacation home, or investment home.
There are other coverages unique to condominium living that you should discuss with us, such as: Loss of Use, Loss Assessments, Personal Liability, Absentee Ownership, Debris Removal and more.
Renters Insurance in Florida
Renters insurance differs from both of the above types of coverage in that it only covers the contents of the house or apartment you are renting and not any part of the building itself. Renters insurance also includes liability protection in the event someone is hurt in an accident inside your apartment.
Flood Insurance
With the high number of severe storms in Florida every year and the large amount of rainfall and other damages associated with them, it is vitally important for every homeowner to have the proper insurance to cover their home from all types of storm damage. However, it is important to know that most basic homeowners insurance policies do not cover you for loss or damages due to flooding.
Flood insurance coverage must be purchased as a separate policy. We will explain the basics of flood insurance now to give you a clearer idea of why you should consider carrying it.
Flood Insurance Is Must-Have Coverage In Florida
Most people are not aware of the fact that a basic homeowners insurance policy does not cover damage caused by flooding, including flooding caused by the storm surge from a hurricane. To protect yourself completely, you really need to have flood insurance to cover your home from loss or damage in the event of storm flooding long with hurricane and supplemental hurricane flood insurance to or a flood from a hurricane storm surge.
What Exactly is Flood Insurance?
Flood Insurance coverage in the Central Florida area is usually provided through the National Flood Insurance Program (NFIP). This program was created by the U.S. Congress to assist homeowners in high-risk and other areas to acquire flood insurance at the best possible rates, but based on the risk in their particular area.
Just a few inches of storm water can cause thousands or even tens of thousands of dollars in damage to your home. Flood insurance will cover this damage and allow you to have your home repaired. In fact, over the past ten years, the average flood damage claim has amounted to over $33,000! Since one storm can dump many inches of rain and one blocked sewer or drainage system can lead to a major flood, a proper flood insurance policy, designed for your particular risk area, is definitely must-have coverage.
Call Viera Insurance Agency Today
Comprehensive homeowners, flood and hurricane insurance policies are among the most important insurance policies you'll ever need, because they will protect all your valuable possessions, as well as what is most likely the biggest investment of your life, your home.
Please don't hesitate to call or contact one of the professional insurance representatives at Viera Insurance Agency today to discuss your complete homeowners insurance coverage needs and to let us design the best policy for you!