Property Insurance
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Allow our Life and Health Insurance experts to find you the best plans and rates. Simply fill out the form below to request your free insurance quote.
Coverages for Homeowners Insurance
We understand that unanticipated catastrophes such as fire, vandalism, hurricanes, and/or other events can cause significant damage to your house, which is why we offer the best and most cost-effective home protection choices. You and your family will enjoy priceless peace of mind by insuring your house for its current replacement value.
It is advised that you get your homeowner’s insurance from a reputable insurance agent. Arte Insurance has licenced agents who are equipped to provide you with the best coverage for your needs and budget.
Please give us the chance to safeguard your home. To save you time and money, we collaborate with the best insurance carriers and offer you the best rates.
Homeowner Insurance Policy
In the United States, the HO3 (Home Insurance Policy) is the most frequent type of home insurance policy. It offers comprehensive coverage for your house, personal belongings, and liability.
Rental Dwelling Insurance Policy
The DP3 insurance policy is one of three that are most widely used in the United States for rental properties. The DP3 is widely used since it is an Open Peril policy that is significantly more thorough than the DP1 or DP2.
Home Liability Insurance
Personal liability coverage is one of the most critical aspects of a homeowner's, condo owner's, or renter's insurance policy. This policy protects you from being held accountable for accidents that happen inside or outside your home and cause personal harm or property damage to others.
Owner's Insurance Policy for Condominiums
The most popular type of policy used to insure townhouses and condominium units in the United States is the HO6 (Condominium Owner's Insurance Policy). It offers outstanding coverage alternatives for your condo or townhouse's internal walls, personal belongings, and liability protection.
Insurance for renters
Renters insurance is the most frequent term for the HO4 (Renter Insurance Coverage) insurance policy. The HO4 insurance form gives good coverage alternatives for your personal property and liability protection whether you rent a home, condominium, townhouse, or rental flat.
Insurance Against Floods
Flood insurance protects your home, other residences, interior and exterior walls, roofing, furniture, clothes, and appliances from flooding, mould, and mudslides. Flood insurance is not a protected danger under a homeowner policy and must be acquired separately or added to your homeowners policy through an endorsement if available.
Insurance for Homeowners
One of the most essential investments one can make is a home. When you purchase homeowner insurance from Univista Insurance, you can rest assured that your house is appropriately protected. Our objective is to provide you with affordable home insurance coverage that is good for both you and your budget.
Property insurance FAQs
- Home Insurance: For homeowners, the average annual premium in Florida is around $1,918, but this can vary significantly based on the factors mentioned above.
- Landlord Insurance: Landlord insurance typically costs more than homeowners insurance because it includes coverage for rental property-specific risks, such as loss of rental income and liability protection. Premiums can range widely depending on the size of the property, rental income, and coverage limits.
Congratulations on your new home
purchase! When it comes to insurance coverage for your house, here are the key types you should consider:
- Homeowners Insurance: This
is essential for protecting your home and personal belongings against covered perils such as fire,
theft, vandalism, and certain natural disasters. It typically includes dwelling coverage (for the
structure), personal property coverage, liability protection, and additional living expenses if
you’re temporarily displaced. - Flood Insurance: Depending
on your home’s location, you may need separate flood insurance if it’s in a flood-prone area.
Standard homeowners insurance policies typically do not cover flood damage. - Windstorm Insurance: In
coastal areas or regions prone to hurricanes, windstorm insurance may be necessary for coverage
against wind-related damages. - Additional Coverage Options:
You may want to consider additional coverage for valuable items like jewelry, art, or collectibles
that may exceed typical policy limits.
To ensure you have the right coverage
for your new home, contact Arte Insurance Corp at 786-670-3883 or 305-440-8070, or fill out our contact form.
We’ll help you understand your insurance needs and find a policy that provides adequate protection for your
investment.
To potentially lower the cost of your home insurance premiums, consider these tips:
Shop Around: Compare quotes from multiple insurers, including Arte Insurance Corp, to find the most competitive rate.
Bundle Policies: Many insurers offer discounts if you bundle your home and auto insurance with them.
Increase Deductibles: A higher deductible typically lowers your premium, but ensure you can afford the deductible amount in case of a claim.
Improve Home Security: Installing smoke detectors, burglar alarms, and deadbolt locks can qualify you for discounts.
Maintain Good Credit: Some insurers consider credit scores when setting premiums, so maintaining good credit can help lower costs.
Review Coverage Limits: Adjusting your coverage limits and removing unnecessary coverage options can reduce premiums.
Seek Discounts: Inquire about discounts for factors like being claim-free, having a new home, or being a member of certain organizations.
For personalized advice on getting cheaper home insurance and finding the best coverage for your needs, contact Arte Insurance Corp at 786-670-3883 or 305-440-8070, or fill out our contact form. We’ll help you explore options to potentially save on your home insurance premiums.
When renovating your home, it’s important to consider insurance coverage that protects both your property and liability risks during the construction process. Here are key types of insurance you may need:
Renovation Insurance (Builder’s Risk Insurance): This type of policy covers your home and the materials being used during renovation or construction. It typically protects against risks like fire, theft, vandalism, and certain weather events that could damage the structure or materials.
Liability Insurance: Liability coverage protects you in case someone is injured on your property during renovations. It can help cover legal fees and medical expenses if you’re found responsible for someone’s injuries.
Contractor’s Insurance: If you hire contractors, ensure they have their own liability insurance and workers’ compensation coverage to protect against accidents or injuries that occur during the renovation.
Homeowners Insurance: Your existing homeowners insurance may need to be adjusted or supplemented during renovations. Check with your insurer to understand what coverage adjustments are necessary.
Additional Coverage: Depending on the scope of your renovations, you may need additional coverage for expensive materials or specialized equipment used in the project.
Before starting renovations, discuss your insurance needs with Arte Insurance Corp at 786-670-3883 or 305-440-8070, or fill out our contact form. We can help you understand your risks and ensure you have the right insurance coverage in place to protect your home during the renovation process.
Whether you need home insurance or landlord insurance depends on your specific situation:
Home Insurance: If you live in the property you own, you need home insurance. This covers the structure of your home, your personal belongings, liability protection, and additional living expenses if you cannot live in your home due to a covered loss.
Landlord Insurance: If you own a property that you rent out to tenants, you need landlord insurance. This type of insurance covers the structure of the rental property, liability protection as a landlord, loss of rental income if the property becomes uninhabitable due to a covered loss, and typically, some coverage for landlord-specific risks.
If you’re unsure which type of insurance is appropriate for your property, contact Arte Insurance Corp at 786-670-3883 or 305-440-8070, or fill out our contact form. We’ll help you determine the right insurance coverage based on whether you reside in the property or rent it out to tenants.
If you rent out part of the home you live in, you typically need a combination of homeowners insurance and landlord insurance:
Homeowners Insurance: You need homeowners insurance to cover your primary residence, including the portion of the home you live in and your personal belongings.
Landlord Insurance (Dwelling Fire Policy): Since you’re renting out part of your home, you also need landlord insurance to cover the rented portion. This type of insurance provides coverage for the structure rented out to tenants, liability protection as a landlord, and possibly loss of rental income if the rented area becomes uninhabitable due to a covered loss.
It’s important to disclose to your insurer that you’re renting out a portion of your home to ensure you have appropriate coverage. Contact Arte Insurance Corp at 786-670-3883 or 305-440-8070, or fill out our contact form, to discuss your specific situation and find the right insurance solution for your home.
There are three strategies to lowering your home insurance premiums.
Nothing is more depressing than seeing the cost of homeowner’s insurance rise year after year. Despite the fact that we have the same old house, we wind up spending more. The worst part is that cancelling home insurance is not a viable choice.
However, just because we can’t seem to come up with a solution doesn’t mean there aren’t alternatives to save money on insurance. Actually, there are several steps you can do to reduce the cost of your house insurance rates, which we will discuss here.
