Property and Casualty Insurance Resources for Florida Residents
Viera Insurance Agency offers a complete line of full-coverage homeowners insurance, condo insurance and renters’ insurance.
A well-designed homeowner, condo or renters insurance policy will protect your home and/or belongings against loss and damages caused by various extreme weather events such as: storms, wind, lightning, hail and damage from freezing weather. It will also cover you for losses due to accidental damage done to your home by fire, smoke damage and even explosions.
Your Homeowners Insurance
Your homeowners insurance policy will cover you against damages to the entire structure of your home, including the entire roof and all the external walls. It will also cover all the contents of your home and all your possessions in the event of storm damage and also in the event of loss or damage from criminal acts such as vandalism, or theft in the event they are stolen.
A complete homeowners policy also includes liability insurance, which protects you in the event that someone claims they were hurt or harmed in your home or on your property.
Condo insurance is different than homeowners insurance in that it must be based on what types of coverage your governing condominium association has. A typical condo insurance policy in Florida will insure your possessions and the interior structure of your condo. Coverage is available for your condo whether it is your primary home, vacation home, or investment home.
There are other coverages unique to condominium living that you should discuss with us, such as: Loss of Use, Loss Assessments, Personal Liability, Absentee Ownership, Debris Removal and more.
Renters insurance differs from both of the above types of coverage in that it only covers the contents of the house or apartment you are renting and not any part of the building itself. Renters insurance also includes liability protection in the event someone is hurt in an accident inside your apartment.