Florida Keys Home Insurance

Home insurance, also called homeowners insurance, protects homeowners from liability issues and property damage. If you own a home in the Florida Keys, Home Insurance will improve your ability to recover after a severe storm, fire, or theft.

Home Insurance Policies

Home insurance provides homeowners with compensation in the event of property damage or a property-related incident. A typical policy covers:

  • Real and personal property: Under standard policies, your insurer pays up to a certain limit to cover damage to your home, its contents, and attached structures such as garages, and fencing.
  • Schedule of Insurance:
    You should consider placing high-value belongings (Jewelry, Electronics, Fine Art) on a schedule of insurance which then insures that specific property outside of your basic limits, and also reimburses you for theft, loss, or damage of these items.
  • Property liability: If someone else suffers an injury on your property, your home insurance policy covers your legal liability up to policy limits.
  • Additional living expenses (ALE): If you need to stay in a hotel or an extended-stay facility after your home is damaged, your policy may cover costs associated with unexpected living expenses.

Add Additional Coverage

At Johnsons Insurance, we often recommend that our clients in the Keys invest in flood insurance as well as traditional home insurance.
Under a basic policy, you receive compensation for damage from fires, storms, wind, and some water damage.

When you work with an experienced insurance representative, you can secure a protective policy that covers most or all costs associated with an accident.

As your go-to provider for Florida Keys home insurance, we are committed to protecting your home and your belongings from the unexpected.

For more information about our home insurance products, contact our insurance professionals today by calling 305-289-0213.