Homeowners Policy Coverages

A home insurance policy is designed to cover the structure of your home and includes protection for various kinds of personal property as well as liability coverage.

Even if you own your home or still have 30 years left on your mortgage, your home is a very important financial investment. We offer homeowners rates to fit everyone’s budget. Allow us to set up an affordable policy to protect your home and contents.

Renters Insurance
Renters insurance is a type of coverage most people renting a home never hear about. That is where we come in. Just because you are renting does not mean the assets inside the home/condo or apartment should be forgotten about. We offer the most affordable renters insurance on the market. A Renters policy is very inexpensive and certainly worth every cent.

Real Estate Investors / Land Lords
Did you know that you qualify automatically for the rates no one ever talks about? Meaning the rates are so inexpensive the other insurance agents hardly bring it up. Our goal is not huge commissions “or else.”  Full Cover truly wants to protect you no matter what the commission involved. Just because a yearly cost of a policy is $200 does not mean agents should forget what is at stake. In most cases where real estate investments are involved, your livelihood is wrapped in the homes you are renting. So allow us to protect your other investments.

Discounts and Special Programs
Many discounts are available on home insurance policies, especially for certain safety features. For example, you may qualify for a discount if your home has deadbolt locks or a monitored alarm system.

Payment Options
In most case your homeowners policy can be rolled in with your mortgage by letting us set up escrow. This process takes us very little time and saves you a great deal of out of pocket expenses. Meaning the FL percentage requirement for a down payment usually goes down in cost, but if you need to pay separately we have several convenient payment options available.

Home Insurance... Complete Protection for Your Home
You want comprehensive coverage tailored to your individual home and possessions.  Full Cover offers quality, basic coverage with many standard features, plus a full array of coverage options to enhance your protection.

Your Homeowners Policy Protects:

• Your Home
• Detached Structures, such as a garage or shed.
• Personal Belongings, including furniture, clothing, appliances and much more.
• Loss of Use, for living expenses, when the home is damaged and uninhabitable.
• Personal Liability, that protects you and your family against a claim or lawsuit if someone is injured or their property is damaged while at your home.

Unmatched Selection of Coverage Options:

• Contents Replacement. Provides full replacement cost for personal belongings.
• Additional Replacement Cost Protection. Provides the extra insurance you need to rebuild your house if your coverage amount is inadequate.
• Personal Injury. Protects you against libel and slander.
• Identity Theft Protection. Provides assistance from a consumer fraud specialist and covers expenses related to restoring your good name and financial reputation.
• Valuable Items Plus Endorsement. Provides a blanket of coverage that is broader than what a basic Homeowners policy provides. It is the right coverage for people who own valuable possessions such as jewelry, artwork cameras and computers.
• Personal Articles Floater. Provides even more comprehensive coverage that the Valuables Items Plus endorsement. It is the right coverage for people who wish to schedule items that have been carefully selected and whose values exceed the limits of either Homeowners policy or Valuable Items Plus endorsement.
• Umbrella Policy. Offers an additional $1 million to $5 million of liability protection.
• Flood Coverage. Flood damage is typically not covered under a homeowners policy. This affordable coverage covers damage to your property and provides cleanup reimbursement.
• Pleasure Boat Insurance for small watercrafts

Get Maximum Value with Competitive Pricing and Money-Saving Discounts
Full Cover Homeowners Insurance is competitively priced. We offer great value with many money-saving discounts:*

• New or renovated home discount
• Multi-policy discount when you insure both your auto and home with Full Cover
• Claim free discount (available in most states)
• Security discounts for homes equipped with:
• Smoke detectors
• Dead bolts
• Fire extinguishers or alarm systems

Call or email us today to set up your appointment!