Home Insurance

Home Insurance

Home Insurance Premium is high in S. Florida. We can help you Save Money and Protect your Possessions today!

Best Rates for Luxury Homes valued over $1,000,000 in R.C. with Hurricane. Act today and Call Us at 954-454-9599.

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What is Home Insurance?

Home insurance policy is a written contract between you and an Insurance company promises to compensate you for property damages that may arise from hurricane, windstorm, theft, fire, tropical windstorm, water leaks and flood, and to protect you in the court in case you personally get sued, in return you pay a sum amount of money every year.

What we can do for you.

We offer a complimentary High-Value Luxury Home insurance quote tailored to your home, with adequate coverage and competitive premium. We work with the best home insurance carriers that have the flexibility to fulfill all of your demands.

We can insure homes ranging from $200,000 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, and help you mitigate any future claim you might suffer when a loss occur.

What does Luxury Home Insurance Policy cover?

  • Dwelling – the dwelling limit is calculated and underwriting based on its 100% replacement cost, an estimator is done by the local agent. dwelling coverage includes water damage, fire, theft, and falling objects.
  • Personal Liability – to protect you and members of your family against any legal action that 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 – this policy pays for the use of a hotel or for a rental apartment In the event of your home is damaged due to a hurricane, fire or other unexpected catastrophes until your home is completely repaired and livable.
  • Fine Arts and Jewelry – we cover high-ticket items like jewelry and fine arts, a separate application is needed 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 against natural disaster caused by a named hurricane or high windstorm. However, you have an 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 with a limit of $300,000; also personal umbrella policy is available up to the limit of $25 Million.

Home Insurance Special Coverage Endorsement:

We insure luxury homes where-ever are located in Florida and have been used as a primary residence or vacation home (central alarm is required). Thus, some 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 S. Florida?

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

7 Steps to save money on your Home Insurance:

  1. Having an updated roof within the past 15 years.
  2. Additional discount for senior citizens resident.
  3. if you live in a gated community, you receive an additional discount.
  4. Have a prior insurance policy with NO lapse in coverage.
  5. Install hurricane shutters or impact windows all over the home.
  6. Having a claim-free policy for the past three years, unless the loss is hurricane-related.
  7. Installing a fire and burglar alarm system connected to a central station alarm station.

We write Home Insurance with these Companies:

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:

Ft Lauderdale, Davie, Aventura, Sunny Isles, Hollywood Beach, Miami Home Insurance, Key Biscayne, Las Olas, West Palm Beach, Weston, Boca Raton, Cooper City.

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