Your Source for House Insurance and HO-3 Insurance in Hollywood, Pembroke Pines, Miramar, Plantation, and Davie, Florida

Every homeowner is going to need house insurance, and HO-3 insurance can be a good choice for many people in Broward County. If you are like most people, your home is your single biggest investment, and you probably have a lot of valuable property inside of it. You have to protect yourself, because things can and do happen, especially in this part of the country. Far too many people look for the cheapest possible coverage as they try to satisfy the minimum mortgage lender requirements. This can be a huge mistake, because many of these people are very unpleasantly surprised when they file a claim only to find out that the incident was not covered.

To make sure that you are not getting a bare-bones policy that may not cover very important contingencies, you should consider HO-3 insurance. To provide a brief explanation, there are homeowners insurance policies that are called “peril policies.” These policies only cover certain  specifically listed events and everything else is excluded. An HO-3 insurance policy is the exact opposite; everything is covered that is not expressly excluded in writing. Some of the events that are often excluded under an HO-3 policy would be building code issues, damage caused by armed conflicts, earthquakes, flooding, and construction defects.

Additional Gap Coverage

If you are concerned about some of the gaps that may exist in an HO-3 homeowners insurance policy, we can provide you with a comprehensive solution. It is possible to add additional coverage to address these contingencies, like flooding, that are not typically covered under an HO-3 policy. Since we live in South Florida, an area that is prone to hurricanes and powerful tropical storms, flood insurance is important, and it is actually required by many mortgage lenders when the home in question is situated in a flood zone.

 

The Affordability Factor

We have been able to grow our business over the years because of the fact that we are in a position to obtain insurance coverage for our clients at the lowest possible price point. Our agency works with numerous different insurers, and we compare prices, so you know you are not overpaying when you work with House Insurance. If you would like to discuss your needs with one of our knowledgeable local Pembroke Pines, FL insurance agents, call us right now at 954-967-0300.