Home Insurance Florida

Home Insurance Florida Premiums are high. We can help you Save Money and Protect your Possessions today!

Best Rates for Luxury Homes over $1,000,000 with Wind & Hurricane. Act today and Call Us now at (954) 454-9599.

Ask Us for Newer Home Discounts.

Get a FREE Quote

Your home is a valuable asset that we can help protect, so we provide a free complimentary High-Value Luxury Home insurance quote that includes adequate coverage and affordable premium. We work with the best home insurance companies that have the flexibility to fulfill all of your insurance demands.

Therefore, we can insure homes from $400,000 up to the high-value home of $10,000,000 in construction cost value, and most of all, give you a peace of mind that comes only from the knowledge that your residence is well protected when a loss occurs.

In many cases, this insurance policy includes damages that may arise from hurricane, windstorm, and flood. We also insure specific personal items such as jewelry and fine arts, moreover, help you mitigate any future claim you might encounter when a loss occur.

What does Luxury Home Insurance Florida Policy cover?

  • Dwelling: the dwelling limit calculated then underwriting based on its 100% replacement cost, a cost estimator done by the local agent.
  • Personal Liability: to protect you and members of your family against any legal action might be taken against your family; such as policy liability limit is covered up to $1 Million which includes legal defense and court cost.
  • Personal Items: to insure your belongings such as furniture, clothing and electrical equipment. Thus any claim is evaluated according to the current replacement cost of that particular item.
  • Loss of Use: In the event of your home is damaged due to a hurricane, fire or other unexpected catastrophes, so this policy pays for the use of a hotel or for a rental apartment until your home is completely repaired and livable.
  • Fine Arts and Jewelry: we cover high-ticket items like jewelry and fine arts further a separate application need to be submitted for quotation, along with a current appraisal and pictures. Above all, this policy does include an endorsement for mysterious disappearance.
  • Hurricane and Wind: to cover your home due to a natural disaster caused by a named hurricane or high windstorm. However, you have the option to pick 2%, 5% or 10% hurricane deductible.
  • Personal Umbrella: to cover you and your family against any personal liability claim that exceeds your first policy maximum liability limits of $300,000; also personal umbrella policy is available up to the limit of $25 Million.

Home Insurance Florida Special Coverage Endorsement

We insure luxury homes where are located in Florida and have been used as a primary residence or vacation home (central alarm is required). Thus, some of the added benefits of our luxury home insurance policy are:

  • Contents replacement cost.
  • Additional living expenses.
  • Hassle-free claim handling.
  • Boat dock and boat-lift coverage.
  • Total restoration and rebuilding according to current city codes.
  • Extended dwelling replacement costs up to 125% of its current policy limit.
  • Protection of your high-value items like jewelry and fine arts.

What is the cost of Home Insurance in Florida?

In able to receive a High-Value Home Insurance Florida quote today,  please fill out a request form. Our local Agent is ready to help you find an affordable package policy deal. However, for any questions or concerns, feel free to call G. Zein Insurance Services now at (954) 454-9599 or (866) 454-9555.

what factors contribute to Home Insurance Florida Discounts?

  • Having an updated roof within the past 15 years.
  • Have a prior insurance policy coverage with NO lapse in coverage.
  • Install hurricane shutters or impact windows in the home.
  • Have a claim-free policy for the past three years, unless the loss is Hurricane-related.
  • Installing a fire and burglar alarm system connected to a central alarm station to minimize the loss in the event of a Fire.

We write Home Insurance with these Home Insurance Companies of Florida:

Lexington, Chubb, Chartis, Citizens, Universal Property Casualty, Federated National, Lloyd’s of London, Bankers, St John, Ironshore, and Others.

We write Home Insurance at the following locations nearby:

Hallandale Beach Florida, Davie Florida, Aventura Florida, Sunny Isles Florida, Miami Florida, Key Biscayne Florida, Ft Lauderdale, Las Olas Florida, Hollywood Florida, West Palm Beach Florida, Cooper City Florida, and Broward County.