Home and Condo Insurance
We know how important it is to find the perfect protection for your house and that is why we offer personalized services to carefully help each client. Our services include protection for primary homes, seasonal or vacation properties, short or long term rental, high value homes, etc.
At AIP, we work with investors in order to understand their needs as well as their tenants’, using our knowledge to assist each client efficiently. No matter if you live or rent your property, if you want an exclusive and competitive protection, we have the best policy for you.
When it comes to the largest investment most people ever make, it just makes sense to have the right protection in place.
Did you know more than half of the homes in America are under insured? A home is the largest investment most people make. Don’t put yourself at risk for a major financial loss. Make sure you are adequately protected.
From hurricanes to sinkholes to lightning, we understand the unique risks associated with owning a Florida home. Companies offer different homeowner coverage alternatives so choosing the right policy means finding the right mix of options to meet your needs – that’s where we come in.
Basic homeowner insurance policies include:
• The structure of your home
• Personal property
• Living expenses in case of a covered loss
• Liability and more
Additional policies/coverage available:
• Valuable personal property endorsement (e.g. jewelry, fine art, guns)
• Animal Liability
Call us today or fill out the free homeowners quote form to protect this valuable asset.
When disaster strikes, it doesn’t differentiate between rented buildings and owned homes.
Renters face the same risk as homeowners. Your landlord or condo association may have insurance, but it only protects the building structure, not the personal items inside. Take a good look around your home. If everything you own was stolen or destroyed by a fire, would you be able to repurchase it all? Do you have the cash on hand to replace your computer, iPod, TV, clothing or furniture? If you rent an apartment, house or even a dorm room, you need renters insurance to protect you and your property. American Insurance Point can offer you affordable renters insurance coverage that is a custom fit. Some of the available discounts:
• Local ultrasonic burglar alarms
• Dead bolt locks on all exterior entryways
• Fire extinguishers
• Sprinkler systems
• Renters insurance combined with auto insurance
When you own a condo you, not your condo association, are responsible for what is inside.
Your condo association likely has insurance covering only the common areas and grounds of your condominium complex. You are responsible for insuring your individual, personal interests within your unit. You will need both personal property and liability insurance. If a slip and fall or fire occurs inside your condo, you’ll need the protection. Most condo owner policies offer the following important protection:
• Personal Property Coverage
• Personal Liability Protection
• Additional Living Expenses
• Additions and Alterations
• Loss Assessment Coverage
We are able to find the right coverage at an affordable price. Call us today or fill out the free Condo quote form to start your savings.
CONDO OWNER (INVESTOR)
Rental property can be a very profitable investment. It is important to protect your investment against loss due to unforeseen circumstances which are beyond your control.
Don’t be fooled, a Homeowner’s Insurance policy will not cover damages to a home that the owner is not living in. If your Florida rental home is covered under a traditional home insurance policy one of your biggest investments is at risk because it has the wrong type of insurance coverage. Rental Property Insurance allows you to rent your property out with confidence. Rental Property Insurance can cover the building, detached structures, personal property of the landlord, loss of rental income, liability exposures and medical payments. In addition, you might be surprised to learn that getting the right Florida dwelling coverage costs a lot less than your existing Florida homeowner’s insurance policy. We provide insurance that is tailored specifically to protect your rental properties. Let us quote, compare and save you – time and money. Simply call us or fill out the free quote form to start protecting your investment
What is a home inventory, and how is it done?
A home inventory is what it sounds like; a detailed list of everything in your home…from basement to attic, furniture to fixtures. If you bought it, it goes on the list.
For everything in the inventory, you’ll want to include a(n):
• Description of the item
• Serial number
• Purchase date
• Estimated value
How you make the inventory is up to you though. You can write everything down in a notebook, make a spreadsheet, get super techy with cool inventory apps, or be creative and make a home movie of all your stuff (complete with a celebrity voice over). However you get it done, just make sure you’re as thorough as you can be!
• Physically walk around your house to build your list. You don’t want to do it from memory, because we’re all humans and our memory isn’t always spot on.
• Go from room to room and organize your list that way. It’s faster and easier.
• Save receipts! You’ll want to describe the cost of your inventoried items, and receipts are much more accurate than guessing.
• Take pictures! Pull out that smart phone, disposable camera, or reliable old Polaroid and visually record the things on your inventory.
Once you’ve got your inventory (whatever form it takes), make sure to protect it. Store it in a safety deposit box, in a strong safe or lockbox, on a cloud storage service, or with a friend. Just make sure it’ll survive if there’s ever major damage to your home. Remember that’s what it’s there for!
OUR AGENCY STAFF
Ana Regina Myrrha - Agency principal
Phone extension: 102
Lizandra Mesquita - CSR
Phone extension: 105
Natasha Boschetti - Property & Casualty
Phone extension: 107
Marisol Valles - Endorsement
Phone extension: 106
Mariana Leivas - Policy Renewals
Phone extension: 101
Stephanie Soberanis - Customer Service
Phone extension: 104
Rosana Marques - Customer Service
Phone extension: 108
John Hilton - Comm. Property & Auto
Phone extension: 109
Click here to create your inventory