Homeowners Insurance DeLand, FL
All Florida Insurance is an independent insurance agency that will help you find the best homeowners insurance in DeLand, FL. We can also help you find lower premiums for car insurance and commercial insurance. We serve clients throughout Volusia County, including Debary, DeLeon Springs, Deltona, and Orange City.
Why Use an Independent Insurance Agency
An independent insurance agency is a broker that is authorized to represent several different insurance carriers. They will perform a search amongst these carriers to find the best policy for you; often times offering discounts that would not otherwise be available. In contrast, when you deal directly with a major insurance company you are only being offered their policies. Your local independent agent can also offer more personalized service. They will be the familiar friendly voice on the other end of the line when you need to file a claim. When you deal directly with a major insurance company you are dealing with their phone center and phone center reps.
Homeowners' insurance, or Home Insurance, is a necessity in Florida. Your financial institution may also require it if you have a mortgage. Homeowners insurance covers the cost of repair and replacement of your home and personal belongings lost or damaged as a result of fire, lightning, storm, theft, or another covered event. It also covers your personal property stolen in a vehicle, even if it's a rental car. Depending on your policy and coverage, it may also protect you from liability if someone gets hurt on your property.
Florida law requires drivers of any registered vehicle to carry at least $10,000 in both Personal Injury Protection (PIP) and Property Damage Liability (PDL) even if the car is inoperable. Also, drivers must return the vehicle license plate to the Department of Motor Vehicles (DMV) before canceling their car insurance policy. A lapse in car insurance coverage can result in the suspension of your driver's license and vehicle registration for up to three years.
There are several different types of commercial insurance coverage options, such as general liability, errors and omissions, property liability, and commercial auto insurance, to name a few. Its purpose is to protect business owners from accidents, injuries, or other liabilities caused to others while on or off your premises.
Visit our website or contact us at (386) 734-4400 to get a free quote for homeowners insurance in DeLand, FL, today!