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Florida Home Insurance

At IOA Tampa Bay we are proud homeowners, too—exactly why we are so eager to help you navigate through this key policy decision. You’ve worked hard to secure a place to call your own. The next logical step is ensuring that in the event of a loss, your property and valuables are fully covered by your homeowners insurance policy.

The team at IOA Tampa Bay, understands the accountability that comes with being a homeowner in Florida. We also recognize how crucial it is to protect your home and those who live inside from suffering monetary losses due to accidents or catastrophic events by helping you choose the right comprehensive home insurance.

As a well-established independent insurance agency, we have the ability to shop multiple carriers nationwide, comparing coverage and resulting in the best possible home insurance rates for your specific Floridian lifestyle. In order to secure the most appropriate protection for you, it’s important that we take the time to fully understand your individual needs—because let’s face it—every home and homeowner is unique.

Typical policies for Florida home insurance can include protection for the following:

  • The physical structure of your home
  • Replacement cost
  • Personal possessions
  • Additional living expense (in the event of covered loss or a natural disaster)
  • Personal liability

Looking for specialty coverage for those unique exposures vulnerable within your standard home insurance policy? Lucky for you, we think strategically. Our policies can be customized throughout Florida with further endorsements that can be purchased to enhance your home insurance. Clients can benefit from additional coverage options, including:

  • Valuable articles/floater insurance policies (i.e. jewelry insurance)
  • Flood insurance policies
  • Earthquake insurance policies
  • Umbrella insurance policies (additional liability)
  • Animal liability (liability issues due to household pets)

The team at IOA Tampa Bay knows what may work for one homeowner won’t necessarily work for you. This is exactly why we aim to create tailored insurance plans that reflect the distinct needs of you, your family, and your unique home.

Give us a call today, to learn more about the options available for dependable, affordable Florida home insurance rates! One of our coverage specialists would be happy to provide you with a complete policy review as well as offer you a free home insurance quote right now!

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