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Homeowner Insurance Miami, Hialeah and Broward

This type of insurance is designed to protect your home against damages to the house itself, or to possessions in the home. Homeowners insurance also provides liability coverage against accidents in the home or on the property.

In the U.S. there are seven forms of homeowners insurance that have become standardized in the industry; they range in name from HO-1 through HO-8 and offer various levels of protection depending on your needs as the homeowner. Pandora Insurance can help you determine which form of Insurance is right for you.

While homeowners insurance covers most scenarios where loss could occur, some events are typically excluded from policies, namely: earthquakes, floods or other "acts of God" and acts of war.

For people living in Florida, adding an extra policy for flood insurance and Windstorm Coverage can be a good idea to offer further home protection and peace of mind. Some homeowners insurance is designed for renters, typically HO-4 or "renters insurance", and only covers possessions within the home and isolated events not covered in the property insurance held by the owner.

Homeowners insurance is about protecting yourself financially in case something unexpected were to happen to either your home or valued possessions. Your home will be one the largest investment you will make, so it is important that you protect it, let Pandora Insurance help you in making the right choice to protect your investment.

Pandora Insurance Agency will be happy to speak with you and assist you in navigating through the different type of Homeowners policies and coverages, to help you make the right decision for your insurance needs.

Please contact us at 305-231-9898 or for additional information and a free quote.