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Homeowners Insurance


Homeowners Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.


Homeowners Insurance Information

FOR INFORMATION ON FILING A CLAIM, CLICK HERE.
                                                                        
Home Insurance Products:
    Homeowners, Condo, Mobile Home, Vacant Dwelling, Tenant Dwelling, Flood, Personal Umbrella, Mortgage Replacement Coverage, Jewelry Floaters, Animal Liability

IF YOU OWN YOUR HOME IN THE ST. Petersburg, FL area

If you own the home you live in, you have several policies to choose from. The most popular policy is the HO-3, which provides the broadest coverage. Owners of multi-family homes generally purchase an HO-3 with an endorsement to cover the risks associated with having renters live in their homes.

HO-1: Limited coverage policy - This “bare bones” policy covers you against the first 10 disasters. It's no longer available in most states.

HO-2: Basic policy - A basic policy provides protection against all 16 disasters. There is a version of HO-2 designed for mobile homes.

HO-3: The most popular policy - This “special” policy protects your home from all perils except those specifically excluded.

HO-8: Older home - Designed for older homes, this policy usually reimburses you for damage on an actual cash value basis which means replacement cost less depreciation. Full replacement cost policies may not be available for some older homes.

IF YOU RENT YOUR HOME

HO4-Renter - Created specifically for those who rent the home they live in, this policy protects your possessions and any parts of the apartment that you own, such as new kitchen cabinets you install, against all 16 disasters.  
 

IF YOU OWN A CO-OP OR A CONDO

HO-6: Condo/Co-op - A policy for those who own a condo or co-op, it provides coverage for your belongings and the structural parts of the building that you own. It protects you against all 16 disasters. 


YOUR LEVEL OF COVERAGE

Regardless of whether you are an owner or renter, you have the following three options: 

1. Actual cash value
This type of policy pays to replace your home or possessions minus a deduction for depreciation.

2. Replacement cost
The policy pays the cost of rebuilding/repairing your home or replacing your possessions without a deduction for
    depreciation.

3. Guaranteed or extended replacement cost
This policy offers the highest level of protection. A guaranteed replacement cost policy
    pays whatever it costs to rebuild your home as it was before the fire or other disaster–even if it exceeds the policy limit.
Click here for more..



Source: Insurance Information Institute

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White Hoskins Cook Insurance Agency, Inc. l 6821 Central Ave. | PO Box 40160 | St. Petersburg, FL 33743 | PH: 727.381.4000           Powered by Insurance Website Builder
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