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Homeowners Insurance

Windward Homeowners Insurance Coverage

Buying a home is one of the biggest financial decisions one can make. All homeowners should consider obtaining insurance coverage regardless of it being required by your mortgage company or if you own the home. It can take only one storm to handicap a family financially and result in years of recovery.

Florida homeowners are encouraged to maintain homeowners’ coverage year-round due to the geographic risks and weather conditions our State endures.  Homeowners coverage exists in a variety of forms depending on your needs and lender requirements, Windward Insurance Agency offers:

  • HO3 : Standard Homeowners Policy
  • HO4 : Renters Policy
  • HO5 : Open Peril Homeowners Policy
  • HO6 : Condominium Policy
  • HO8 : Modified Homeowners Policy
  • DP3 : Dwelling Fire Policy

Coverage limits are determined and based on the cost to rebuild the home at today’s cost, not market value or sale value. When looking at a homeowners policy declaration page, here are some of the coverages to note:

Coverage A - Dwelling

Refers to the amount your home is insured for in the event of a covered total loss.

Coverage B - Other Structures

Indicates the amount of coverage you have for any structures not attached to your dwelling or home.

Coverage C - Personal Property

Refers to the amount of coverage you have for your personal property and belongings.

Coverage D - Loss of Use

This is amount of coverage for additional living expenses incurred, as a result of your home being deemed uninhabitable due to damage sustained from a covered peril.

Coverage F – Medical Payments

Often referred as cover for Medical Payments to Others, this refers to the amount of coverage provided in the event someone is hurt or injured on your property.

Helping You Navigate Insurance

In a sea of options, the Windward Insurance Agency can help you find the right insurance coverage for you and your family. We have cultivated relationships with the top carriers in our State who are ready to provide quotes and options to those we represent. Let us help you navigate insurance, start by getting a quote online or call us today at 866-231-2433 for assistance.