Homeowners Insurance

Naples, Bonita Springs, Estero, Fort Myers, Sanibel, Captiva, FL

Because everyone's needs are not the same, it is best to consult your agent to help assess your needs and find the insurance policy that is right for you.

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Homeowners Insurance in Bonita Springs, Florida

Homeowners insurance coverage is not a luxury but a necessity. It helps protect you and your property against theft and damage. Almost all mortgage companies in Florida and the entire U.S. require borrowers to have active homeowners insurance in Sanibel, fl to enjoy fair or total compensation for their property (mainly the replacement cost of the home). Companies are also unlikely to make finance or loan transactions for real estate without solid proof of coverage.

Sometimes, you don’t even need to own a home to get homeowners insurance in Naples, FL. Some landlords encourage their tenants to maintain renter’s insurance to cover their liabilities, belongings, or even living expenses in case they encounter a significant loss event. Whether your landlord requires you to have this type of coverage or not, it is prudent to subscribe to the coverage because it can cover the damage you, your family members, or your household pets cause to other people or property.

Why Do You Need Homeowners Insurance in Bonita Springs, Naples, or Sanibel, FL?

At Rosier Insurance, we know that unexpected messes can happen to your home or possessions. We are vigilant of these scenarios. Our package policy can cover you from:
The Exterior or Interior House Damages

In case of damage from events such as fire, lightning, hurricanes, and vandalism, our carriers can compensate you by repairing or completely rebuilding the house. However, mutilation or destruction from earthquakes, poor maintenance, and floods may require a separate rider. Sheds, free-standing garages, and other physical structures within your home compound may also require a separate policy or endorsement or homeowners insurance in Naples, FL.

Furniture, clothing, appliances, and other interior contents are also covered if destroyed by an insured disaster. There is a limit for reimbursement in this case. However, the Insurance Information Institute’s advice is that the insurance company should cover at least 50-70 % to ensure the homeowner doesn’t lose it all.

If your house contains highly-prized possessions, you may need to add extra coverage to include them on an itemized schedule or purchase a rider or separate policy to cover them.

Personal Liability for Injuries or Damages

Ultimately, it’s all about better protecting yourself financially if something unexpectedly happens to your home or your possessions. This is very important because chances are your home is likely one of your largest financial investments.

  • If a guest is injured in your home, liability protection and medical coverage can help cover the cost of expenses.
  • If you have found yourself a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.

It’s important to know that homeowners insurance in Sanibel, FL is meant to cover any unforeseen damage, not routine maintenance. Ask your insurance agent to discuss what is covered and be sure to read your policy so you know exactly what’s included and what is not.

House or Hotel Rental During the Repair or Rebuilding of Your Home

This scenario is rare. However, if you find yourself and your family forced out of the house for repair or rebuilding purposes, the part of the homeowner’s insurance homeowner’s insurance in Bonita Springs called additional living expenses (ALE) can reimburse you for the hotel room, rent, meals, and other residential costs you incur waiting for your house to become habitable. However, this policy comes with strict limits, which you can expand if you are willing to pay extra for coverage.

Things to consider and questions to ask your agent

Here are a few things to discuss with your insurance agent that may influence your decisions.

  • How much will it cost to replace my belongings, valuable possessions and rebuild my house if they are either damaged or destroyed? Ask your agent to discuss your home’s features and the possessions you own so you can make an educated and informed decision regarding your coverage.
  • Is the insurance company known for having a good customer service reputation? Are they known for paying claims in a fair and timely manner?
  • Are there any discounts available such as multiple policy, security system and fire resistance discounts on your homeowners insurance in Sanibel, FL?
  • What’s the step-by-step process for filing and settling a claim? Discuss with your agent who to call and what happens after you file a claim.

Flood insurance is not normally covered by your Homeowners insurance in Sanibel, FL

It is important to know that Flood insurance is not traditionally covered by your  insurance and is often a separate policy.  To find out what flood zone your home is located in and to get a Flood quote, click here.

Other Services Offered by Rosier Insurance

Auto Insurance

This coverage helps protect you and your investment from financial losses associated with road accidents. It provides medical, liability, as well as property coverage as defined in your policy.

General Liability

This insurance prevents a legal suit against you from turning into a financial problem in case your business is held legally responsible for property damage or personal injuries arising from its operations.

Life Insurance

This insurance falls into two categories: permanent insurance and term insurance. Term insurance helps protect you for a specified period, while permanent insurance provides lifelong protection.

Motorcycle Insurance

The coverage helps protect you, your investment, passengers, as well as other road users from accidents.

Surety Bond Insurance

This bond enables your issuer to leverage your business growth.

Get in Touch with Us

Are you interested in getting a wide range of insurance coverage? Rosier Insurance can assist you. We are an independent agency that has passed the test of time in offering the greatest value to our client’s needs. Contact us today for all of your homeowner insurance needs in Bonita Springs, Florida!

Get a quote today!

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