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Florida Keys Homeowners Insurance

Homeowners insurance protects you from financial liability for property damage and injury in the event of accidents and certain natural disasters and criminal acts. When you invest in a homeowners insurance policy, you ensure you have the ability to handle the unexpected.

At Keys Insurance Services, we understand the particular risks our clients face when they purchase homes in the area. Whether you need the minimum amount of insurance or a comprehensive policy, we offer customized support to help you make an informed insurance investment.

Types of Coverage

Homeowners insurance policies vary from policyholder to policyholder. Most policies include coverage for:

  • Damage to the home: Homeowners insurance may cover the home itself, as well as any attached structures and fencing. We often recommend adding flood coverage to homeowners insurance policies in the Florida Keys due to the prevalent hurricanes and severe storms.
  • Injury liability: If someone trips in your kitchen and breaks a leg, your homeowners insurance may cover some or all of the costs associated with your legal liability. This is important because accidents happen, and you don’t want to be held responsible for an individual’s injuries and medical bills alone.
  • Personal property: Homeowners have the option to inventory high-value belongings, including their jewels, within a policy schedule. If someone steals or damages your belongings, the policy covers the costs to replace or repair the high-value items.

Homeowners insurance can protect you from a hefty financial loss after a serious incident.

For a free quote and to speak to a professional about the right policy for you, contact us at 305-743-0494.

Keys Insurance Services is the go-to source for insurance in the Florida Keys!

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