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Patti
Generale Insurance Agency has
partnered with top rated insurance companies writing coverage in
Florida for primary homes, secondary and seasonal homes, condo units,
as well as property you own and rent to others. We are committed to
providing full transparency when quoting your home and can explain the
differences in companies and coverage so you can make an educated
decision. You will get the coverage you need at a price that fits your
budget.
Request a quote:
- Use our
"Quote Center." Please fill out a form and
one of our agents will contact you.
- Complete a
quote over the phone. Just call 1-321-633-1500
and
speak with one our representatives.
Coverages:
Dwelling
Coverage: Provides funds to replace or repair
the structure when damage is caused by a covered peril
Replacement Cost:
To replace with like kind and quality.
Actual Cash Value:
Replacement cost less depreciation.
Dwelling
Extension: Provides coverage for damage caused
by covered perils to structures separate from the main
dwelling. Examples include detached garage or sheds.
Personal
Property Coverage:
May pay to replace the personal contents of your home that are not
permanent parts of the dwelling. Coverage only applies in
conjunction with a loss caused by a covered peril.
Loss
of use: This
coverage can provide financial assistance to you while your home is
being repaired and is unlivable as a result of a covered loss.
Personal
Liability: May
protect you, your spouse, and resident relatives under age 21 for
claims you’re legally obligated to pay resulting from things such as
injury, sickness, disease, and death. The coverage may also
include the cost of defending claims against you.
Medical
Expense: May pay for non-residents injuries
that you are legally responsible for.
Endorsements::
Animal
Liability: This coverage
pays for bodily injury, medical expenses, lost wages or property damage
claims you are legally obligated to pay due to animal ownership. 4.7
million dog bites happen every year––making dog-related damage one of
the biggest causes of homeowner’s insurance claims.
Back
up of Septic and Sewer: This
coverage pays for the cost to clean up, sanitize and disinfect, repair
or replace any building property damaged due to the back up of septic
or sewer whether due to blockage in your drains or downspouts or too
much ground water that overloads your drainage system.
Building
Code Ordinances or Law: This
coverage will pay for increased costs you incur due to enforcement of
any ordinance or law which requires demolition, renovation or repair of
any undamaged building property.
Earthquake
Endorsement: This covers property damage not
only earthquakes, but volcanic eruptions, landslides or any other type
of earth movement.
Home
Business Endorsement: Many
people operate a business from their home. The standard policy has a
limit of $2,500 for business property and legal liability for the
business is specifically excluded.
Increased
Liability: This
coverage increases the amount of coverage for claims you’re legally
obligated to pay resulting from things such as injury, sickness,
disease, and death.
Inflation
Coverage: This coverage annually increases the
coverage on your home to keep up with inflation.
Loss
Assessment: This coverage pays for your share
of the covered loss assessments for building property or liability.
Mold: This
coverage pays up to
the limits you select for the cost to remove and replace any part of
the building to remove, gain access, or test for mold.
Sinkhole
Coverage: May pay to replace
the personal contents of your home that are not permanent parts of the
dwelling. Coverage only applies in conjunction with a loss caused by a
covered peril.
Discounts:
Deadbolt locks
Fire Extinguishers
Monitored Fire & Burglary alarms
Local Burglar Alarm
Fire Sprinklers
Roof Shape
Newer Home
Construction Type
Hurricane Shutters/Impact Glass
Multiple policies with company
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HERE
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