Property Insured by The Insurance Ladies

Homeowners Insurance provide financial protection against disasters. A standard policy insured the home itself and the things you keep in it. Homeowners Insurance in Florida is a package policy. It covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance.


Standard Homeowners Insurance policies will typically help pay to repair damage caused by certain risks, or perils including:

Types of Property Insured by The Insurance Ladies

Coverages of A standard Homeowner's Policy


Covers damage or destruction to your house in the case of any untimely events.

Personal Property

Covers the contents of your house that are damaged, stolen, or destroyed including furniture, clothing, technology and appliances.


Covers you against financial loss if you are sued and found legally responsible for someone else’s injury or property damage.

Medical Expenses

Covers necessary medical expenses incurred in the event there is an accident at your home that caused bodily injury to someone.

Loss of Use

Covers additional living expenses if your home is uninhabitable due to a covered loss. Most insurance policies pay 10% to 20% of the amount of your dwelling coverage.

Other Structures

Covers damages or destruction to other structures on your property, such as your garage, patio, fence, gazebo, small shed or barn.

Florida homeowners insurance premiums are the most expensive in the nation (and continuing to rise), finding ways to save money with compromising protecting can be a challenge. Below are the possible discounts you could take advantage of

Personal Property

Discounts that reduce the chances of a loss occurring and a claim being filed


Request a Free Quote

    Skip to content