Homeowners Insurance

Your home and the things inside it represent the most valuable asset your family owns. Protect it with homeowner’s insurance.

Homeowner’s insurance offers financial safety against disasters such as fire and storms, accident liability, theft and more, and it covers not only your home but the things inside. Homeowner’s insurance is a package policy. This means that it covers both damage to your property and your legal liability for any injuries or property damage you or members of your family cause to other people. This includes damage or injuries caused by household pets.

Damage caused by most disasters is covered, but there are exceptions, such as flood and earthquake damage, as well as damage due to poor maintenance. You must buy two separate policies for flood and earthquake coverage, and maintenance-related problems fall under the responsibility of the homeowner.

Top Reasons You Need Homeowners Insurance

  • If your home is destroyed by fire or damaged by a natural disaster, you’ll need money to repair or replace it.
  • If a guest in your home is injured, liability protection and medical coverage help pay expenses and protect you from personal financial obligation.
  • If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.

It is important to note that if you are still paying for your home, your lender will require insurance.

It is important to know that a homeowner’s insurance policy is meant to cover unexpected damage and not routine maintenance. The agents at American Prestige Insurance Agency can talk with you about what is covered. Be sure to read your policy so you know exactly what is included and what is not.

Things to consider:

  • How much will it cost to rebuild my home and replace my belongings if they are damaged, destroyed or stolen? Your agent can guide you through all of your home’s features and your important belongings so that you can make an informed decision regarding your coverage.
  • What discounts are available? Ask about multiple or combined policies, such as auto insurance, as well as security-system and fire-resistance discounts.
  • What is the process for filing and settling a claim? You need to know who to call and what happens after you file a claim.

Click here to request a quote or give us a call at 561-966-8132. We look forward to helping you find the perfect insurance to protect your unique life.

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American Prestige Insurance Agency
4095 State Road 7, Suite U1
Lake Worth, FL 33449

Phone: 561-966-8132
Fax: 866-271-9361
Email: csr@americanprestige.net