AAA Home Insurance Florida Tampa FL 33674

We are a Miami, Florida based insurance company dealing with AAA home insurance. We have matched the needs of Florida residents in Tampa with the right types of policies for well over a decade.

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Florida homeowners Insurance

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Affordable homeowner insurance cover The right amount of insurance coverage for your property can be the most vital decisions you consider when purchasing a home owners insurance plan. It's a key variable in your peace of mind when it comes to home insurance.

Florida Renters Insurance

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Learn How You Can spend less money on Renters Insurance

From St. Augustine to Fort Myers and from Gainesville to Key West and all around the Sunshine State, Florida abounds with dynamic metropolitan areas that are ideal for renters. With a spectacular beach front, 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 secure your personal belongings from damage and theft, pay medical expenses in the event that visitors or loved ones are injured in your home, and deal with liability expenses if you're caught in a lawsuit. And in the unthinkable case that your home is damaged by , say, a fire, storm or even a natural disaster, renters insurance coverage can also help put you up

Four forms of insurance protections that may be customized in one's renters HO4 policy

Each insurance coverage has a minimum required and maximum coverage amount ( typically referred to as "coverage limit"). Renters Insurance is also considered as an HO-4 policy and is coverage for your personal belonging within the rental. (Your individual belongings are often not included in the owner's insurance policy.)
  • Insurance coverage for your private property (Coverage C)
  • Coverage if your rented property becomes uninhabitable (Coverage D)
  • Protection for personal liability insurance (Coverage E)
  • Insurance protection for health-related payments (Coverage F)


You might qualify for savings on your Florida renters Insurance policy. Ensure you speak about it with your broker. There are savings possible 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 needed in The sunshine state, but your condo association can still mandate you to purchase coverage. Even though condo associations must purchase a minimum measure of their particular insurance policy, these plans usually won't deal with damage to your private property, your personal liability or damage to your condo's building elements. Condo insurance extends financial security by providing coverage for these types of likelihoods. A condo insurance in Florida may likely amount to as low as $20 to $50 monthly, depending on your condo's location, building and the extent of policy coverage you get.

Do I need Condo Insurance in Florida

Condominium owners in Florida were once required to buy condo insurance by state law, but this is not the case any more. Nevertheless, you might just be obligated by your condo association to:
  • Possess a condo insurance policy.
  • Demonstrate proof that your condo insurance policy meets the association's minimum required limitations.
  • Purchase your condo insurance policy from a specific agency.
Even though condo associations are normally mandated to carry insurance, Florida Ordinances moved here don't require your association's insurance policy to incorporate most fixtures and systems unique to your condo. As a result, you can be responsible for damages to and substitute of any personal possessions, the condo's floors and wall structures, electrical accessories and devices, hot water heater and filtering system, built-in fixtures, and window treatments. You're not obligated to bear insurance coverage for these kinds of items, but it may be simple to protect yourself financially.

Florida Condo Insurance (HO6) Coverage

Condo insurance, also known as an HO-6 insurance plan, is similar to homeowners insurance in that it covers your private property, liability resource and various architectural elements of your condo. Having said that, condo insurance is commonly referred to as "walls-in coverage," as it gives limited protection for harm to the building that occurs outside your condo. You can obtain condo insurance coverage whether you're leasing a property or acquiring a condo. Depending on the amount of insurance coverage you'd like, you may invest in a condo insurance coverage in Florida for either the prive or replacement cost of your dwelling and possessions. A replacement cost policy is more expensive, bonuses as it covers any affected possessions, as high as your policy's limits, without taking into consideration devaluation. Condo insurance policies can be personalized to your wishes and more info here risk assessments, and the majority of insurance policies include the following coverage possibilities.
  • Dwelling coverage
  • Personal property
  • Loss assessment
  • Personal liability
  • Loss of use