AAA Home Insurance Florida Grand Ridge FL 32442

Based in Miami, Florida, our insurance agency specializes AAA home insurance. We've been in business in Grand Ridge since the early 2000's.

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Hello. My name is Liz and I am a licensed insurance agent in the state of Florida. I specialize in all aspects of AAA home insurance. If you need any information from an expert, I am the person to call.

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Florida homeowners Insurance

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home insurance inspection A Florida Home owner's Insurance policy is crafted to cover the construct of your residence, and integrates protection for various types of Personal Property as well as Liability coverage. Would like to know more? Contact us at 888-913-6988 to consult a local agent. Standard home insurance coverage policies provide the following kinds of protection, up to the restrictions outlined in the plans:

  • Dwelling: Pays for damage or destruction to your household and any unattached structures and buildings. Good examples include things like fencings, attached garage , or patio cover.
  • Personal Property Covers the contents of your house, including furnishings, clothing and kitchen appliances, if they are looted, wrecked, or ruined.
  • Liability Shields you against monetary loss if you are sued and deemed lawfully under obligation for someone else's injury or property damage.
  • Medical Payments Covers medical costs for people harmed on your house.
  • Loss of Use Provides for added living expenses if your home is unoccupiable due to a loss covered under the policy. The majority of typical Florida Homeowner's Insurance policies pay 10% to 20% of the amount of your Dwelling coverage.
    • Florida Renters Insurance

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      Find out How You Can Save money on Renters Insurance

      From St. Augustine to Orlando and from Tampa to Key West and across the Sunshine State, Florida is full of busy urban areas that are ideal for people who rent. With a gorgeous waterfront, and a standard of living to match, the importance of a renters insurance cannot be over emphasized. Having renters insurance in Florida can serve to help shield your belongings from harm and robbery, settle health-related expenses in the event that visitors or family members are wounded in your place, and cover liability expenses if you're caught in a court action. And in the unthinkable case that your home is damaged by , say, a fire, storm or perhaps a tropical storm, renters coverage can indeed help accommodate you

      Four forms of insurance protections that can be personalized in one's renters HO4 policy

      Each and every one insurance protection has a minimum and optimum coverage amount (commonly referred to as "coverage limit"). Renters Insurance is also referred to as an HO-4 policy and is cover for your own personal property within the rental. (Your personal valuables are often not protected by the owner's insurance policy.)
      • Coverage for your private property (Coverage C)
      • Protection if your rented property ends up being unoccupiable (Coverage D)
      • click for more info Policy coverage for personal liability insurance (Coverage E)
      • useful link Insurance protection for medical expenses (Coverage F)


      You may well obtain discounts on your Florida renters Insurance policy. Make sure you talk about it with your representative. There are savings made available for the following:
      • Secured condominium
      • Burglary alarm
      • Wind resistant doors and windows
      • Roof shape and condition
      • Policyholder 55+
      • Fire alarm

      Florida Condo Insurance

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      Florida Condo Insurance (HO6) Coverage and Rates

      Condo insurance isn't required in Florida, but your condo association can still demand you to buy coverage. Although condo associations have to carry a certain measure of their own insurance policy, these policies usually will not pay for damages to your personal belongings, your personal liability or harm to your condo's structural elements. Condo insurance offers monetary security by ensuring insurance coverage for such hazards. A condo insurance coverage in Florida may well be priced at as low as $20 to $50 each month, depending on your condo's specific location, building and the amount of protection you purchase.

      Do I really need Condo Insurance in Florida

      Condominium owners in Florida were once required to purchase condo insurance by state law, but this is not the case any more. However, you may well be mandated by your condo association to:
      • Possess a condo insurance coverage.
      • Exhibit evidence that your condo insurance policy satisfies the association's minimum limits.
      • Acquire your condo insurance plan from a recommended service provider.
      Though condo associations are commonly obligated to carry insurance, Florida Laws do not obligate your association's policy to incorporate most fixtures and systems exclusive to your condo. As a result, you could be held accountable for damages to and substitute of any private possessions, the condo's floorings and walls, electrical fittings and appliances, hot water heater and filtering system, integrated fixtures, and window treatments. You're not obligated to bear insurance protection for these kinds of items, but it may be simple to protect yourself financially.

      Florida Condo Insurance (HO6) Coverage

      Condo insurance, also called an HO-6 insurance plan, is not unlike homeowners insurance in that it addresses your personal effects, liability and some structural parts of your home. Having said that, condo insurance is often referred to as "walls-in coverage," as it gives specific coverage for harm to the structure that occurs outside your condo. You can buy condo insurance policy whether or not you're leasing a condo or purchasing a condo. Depending upon the amount of protection you'd like, you may purchase a condo insurance plan in Florida for either the actual cash value or replacement cost of your home and property. A replacement cost policy is more pricey, as it pays to replace any broken possessions, right up to your policy's restrictions, without accounting for loss of value. Condo insurance policies may be personalized to your wishes and risk assessments, and many insurance policies come with the following coverage possibilities.
      • Dwelling coverage
      • Personal property
      • Loss assessment
      • Personal liability
      • Loss of use