Homeowners Insurance Florida

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

Best Rates for Luxury Homes over $1,000,00 with Wind & Hurricane. Call Us Today at (954) 454-9599.

Ask Us for Newer Home Discounts.

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Your home is a valuable asset that we can help protect; we provide free complimentary High-Value Luxury Homeowners Insurance quote that includes adequate coverage at the right price. We work with the best home insurance companies that have the flexibility to fulfill all of your insurance needs.

We have the capability to ensure homes from $250,000 up to high-value homes of $10,000,000 in construction cost, and most of all, give you a peace of mind that comes only from the knowledge that your residence is well protected. In many cases, this insurance policy includes damages that may arise from hurricane, windstorm, and flood. We also ensure specific items like jewelry and fine arts. In addition, we help you mitigate any future claim you might encounter in a loss.

What does Luxury Homeowners Insurance Florida Policy cover?

  • Dwelling – the policy limit is calculated and written based on its 100% replacement cost, a cost estimator done by the local agent.
  • Liability – to protect you or members of your family against any legal action taken against your family; the policy liability limit is up to $1 Million which includes legal defense and court cost.
  • Contents – to ensure your belongings such as furniture, clothing and electrical equipment, 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, this policy pays for the use of a hotel or for a short-term rental apartment until your home is repaired and liveable.
  • Fine Arts and Jewelry – We cover high-ticket items like jewelry and fine arts. A separate application should be submitted for quotations, along with a current appraisal and pictures. The policy does cover mysterious disappearance.
  • Hurricane and Wind – cover your home for a natural disaster caused by a Named Hurricane or High Windstorm caused by heavy rain.
  • Personal Umbrella – cover you and your family against any personal liability claim that exceeds your policy maximum liability limits of $300,000; personal umbrella policy is available up to the limit of $25 Million.

Homeowners Insurance Florida Special Coverage Endorsement

We work with A-Rated insurance companies, knowing that your property assets are fully protected when needed. We ensure luxury homes ranging from $1,000,000 up to $10,000,000 in construction cost value; homes are located in South Florida and are used as a primary residence or vacation home (Central Alarm is required). Some of the added benefits of your Home Insurance Policy are:

  • Contents replacement cost
  • Additional Living Expenses
  • Hassle-free claim handling
  • Boat dock and Boatlift coverage
  • Total restoration and rebuilding according to current city codes
  • Extended dwelling replacement cost up to 125% of current policy limit
  • Protection of your high-value items like jewelry and fine arts

What is the cost of Homeowners Insurance in Florida?

To receive a High-Value Homeowners Insurance quotes today,  please fill out a request form. Our local Agent is ready to help you find an affordable package policy deal. For any questions, please feel free to call G. Zein Insurance Services now at (954) 454-9599 or (866) 454-9555.

What discounts are available to lower Homeowners Insurance Premium?

  • Having an updated roof within the past 15 years
  • Having a prior policy coverage with NO lapse in coverage
  • Install hurricane shutters or impact windows in the home
  • Free of any claim for the past three years unless the claim 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 Insurance, Chubb Insurance, Chartis Insurance, Citizens Insurance, Universal Property Casualty, Federated National, Lloyd’s of London, Bankers, St John insurance, Ironshore Insurance, Others.

We write Homeowners Insurance to the following locations near me:

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.