Home 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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Best Homeowners Insurance in Bonita Springs, Florida

Homeowners insurance coverage is not a luxury but a necessity. It protects 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 coverage 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 coverage. 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 protection because it also covers the damage you, your family members, or your household pets cause to other people or property.

Why Do You Need Homeowners Insurance?

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 to ensure protection. Sheds, free-standing garages, and other physical structures within your home compound may also require a separate policy or endorsement.

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

It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That’s important because chances are your home is likely one of your largest investments.

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

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about 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 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 few things to discuss with your agent that will influence your decisions.

  • How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home’s features and the things you own so you can make an informed decision about coverage.)
  • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
  • What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)
  • What’s the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.)

Flood insurance is not normally covered by your Homeowners insurance

It is important to know that Flood insurance is not traditionally covered by your homeowners 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 protects 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 protects you for a specified period, while permanent insurance provides lifelong protection.
Motorcycle Insurance
The coverage protects 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!

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