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Homeowners Insurance

What Insurance Coverage Does Your Family Need?

If you’ve got a family, you've got insurance needs. At The Windward Insurance Agency, we've got you covered with a broad assortment of family insurance offerings to protect where you live, what you drive, your favorite water sports, and all your treasured belongings. Let’s take a look at some of your coverage options.


Protect Your Home

No matter where you live, your home is not only the place you and your family find shelter from the elements – it’s the sanctuary where you can relax and enjoy much-earned respite from all the stress and chaos going on in the world. It’s where you keep your most prized possessions, where friends and family gather, and where you find comfort and joy, recharging both mind and body.


Making a house a home doesn’t happen overnight. This is true whether your home is a single-family home, townhouse, condominium, or apartment. Don’t let all the time, effort, money, and love you’ve put into your home go to waste. Protect one of the biggest investments you’ll ever make with homeowners insurance or condo insurance. If you’re a renter, we offer contents coverage, too. 


Homeowners insurance covers not just the dwelling itself, but personal property inside the home, such as furniture, major appliances, electronics, clothing, and more. Should you need to temporarily live elsewhere while repairs are made to your home after a covered loss, homeowners insurance can help pay for this. And what happens if a guest slips and falls on your property? Yep, you’ve got it: Homeowners insurance can help pay for their medical bills or your attorney’s fees, if needed.


Do you and your family live in a condo? If so, you’ll need family insurance to protect everything in your unit – the condo’s master policy does not cover what’s inside your condo unit. Likewise, if your family rents, your landlord’s policy likely covers the structure of your apartment or home your are renting, but not any of your belongings. Starting over can be extremely challenging and emotional; make it easier for you and those you love by properly insuring where you live. We can help you select the right type of coverage, in the amounts right for your situation.


Customize Your Homeowner’s Policy with More Coverage Options

Very often, our policyholders want to customize their family insurance coverage with additional options. Two of the most popular additions to a homeowner’s, condo, or renter’s insurance policy are flood insurance and umbrella insurance.


Flood insurance covers losses due to rising water. This is different than water damage covered in a standard homeowner’s policy. For example, if lightening strikes causing a tree branch to open a hole in your roof and rainwater gets into your house, condo, or apartment – the resulting water damage will most likely be covered in a standard homeowner’s policy. Should floodwaters seep into your home from anything such as a typical Florida storm to a hurricane, however, it will only be covered if you had a flood endorsement added to your policy (essentially, additional flood insurance).


Umbrella insurance can help fill in any noticeable coverage gaps in your homeowner’s insurance policy. For example, do you have fine art or expensive jewelry costing more than you’d get for it under your main policy? No problem. Umbrella coverage extends coverage limits in areas where you need them most.


Auto Insurance: Protect Your Ride

You may consider your vehicle a member of the family – as you should! It’s absolutely necessary, especially if you and the family wish to go on a fun road trip or travel adventure, as well as for everyday essentials, like going to work, the grocery store, taking kids to their various activities, and so much more.


Our agents can get you the auto insurance needed to protect your family’s trusted main mode of transportation, whether it’s a car, truck, or SUV. We also have specialized family insurance packages covering motorcycles and ATVs and four-wheelers (you’ll need ATV coverage if you plan to ride in state parks). We’ve got you covered for all the essential auto insurance components, including:


  • Liability, including bodily injury and personal injury protection, or PIP
  • Comprehensive or collision coverage
  • Uninsured/underinsured motorist coverage
  • Loss of use


Boat Insurance: Protect Your Fun in the Sun

Is going to the beach one of your family’s favorite pastimes? We are in Florida, after all – and surrounded by beautiful beaches and an enormously lengthy and enticing coastline. If sailing, boating, or Jet-Skiing are your thing, we’ve got the family insurance you need to protect these often pricey investments. A standard boat insurance policy will cover a vessel up to 26 feet in overall length; larger vessels may qualify for yacht insurance. Watercraft coverage includes:


  • Towing
  • Repairs due to collision, fire, theft, windstorm, lightning, vandalism
  • Liability & medical expenses in case of accidents
  • Uninsured/underinsured boaters


Florida Families Need Reliable, Cost-Effective Home, Auto, & Boat Insurance

The Windward Insurance Agency has been helping Florida families get the precise type of family insurance coverage they need since 2006. All families are different, and we have a wide range of coverage options and carriers to choose from. Let us help you protect what matters most to you and your loved ones. Get started with an online quote or call us today at (866) 231-2433 for assistance.