Homeowners
Get Homeowners Coverage that Fits Your Needs and Lifestyle
Getting homeowners insurance can be a challenging process. But that’s okay, because your DSI Agent will guide you through the purchasing experience. At DSI, we take the time to get to know you, your family and your goals. We have your best interests in mind when determining your insurance vulnerabilities.
Coverage Overview
Personal Property
Helps cover costs of repairs or replacing your personal property, such as furniture, electronics, apparel, and more after a covered loss.
Dwelling
Covers the physical structure of your house, including any items bolted in and appliances.
Personal Liability
Personal liability insurance protects you and your family against financial loss. Includes claims for bodily injury and property damage that you or covered residents of your household are legally accountable for.
Medical Payments
Helps cover medical bills of people who are accidentally injured on your property.
Loss of Use (Temporary Housing)
Insurance for temporary housing helps cover the cost of additional living expenses that may arise, including short-term accommodation, increased food costs, and more.
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DSI Answers Your Home Insurance Questions
Make sure your homeowners policy provides “replacement cost” coverage for your belongings. Otherwise, your policy will only cover the depreciated or garage sale value of your belongings. Specialty coverage may be needed for high-value items such as jewelry, watches, furs, china and art work.
In 2017 during Hurricane Irma, only 14% of the 3.3 million households in the nine Florida counties affected by the disaster had flood insurance coverage, according to data from Pew Charitable Trusts. Just a few inches of water can cause thousands of dollars in property damage. But flood damages are typically not covered under your standard homeowners insurance policy even though about 25% of all flood claims come from low-risk flood areas.
Once upon a time, Harold had purchased his homeowners insurance online because it seemed inexpensive. This past hurricane season, a tree branch fell on Harold’s house. It damaged the shingles and punched a hole in his roof. Harold called the 1.800 number, filed a claim and was promised a visit from an adjuster right away.
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Are you getting all the discounts you deserve on your homeowners insurance?
If your home was built before March 2002, and you have replaced your roof, you may not be getting the maximum wind mitigation credits you qualify for. I’ve saved clients from $200 to $600+ by recommending they obtain a certified wind mitigation inspection.
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Do you ever see comments on Facebook that make you cringe but don’t actually specifically name the person that the comment is about? Jacqueline Hammond made such a post that cost her $500,000!
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When the new year arrives, it’s a great time to take a home inventory. You may have gotten a special holiday gift (jewelry, collectibles, heirlooms or firearms) that needs to be insured
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Why Choose DSI?
Providing Insurance to: Gainesville, Jonesville, Tioga, Newberry, High Springs, Alachua, Ponte Vedra, Ponte Vedra Beach, Palm Valley, Nocatee, Palm Coast, St Augustine, Fruit Cove, St Johns, Milton, Pace, Pensacola, Cantonment, Navarre, Fort Walton Beach, Mary Esther, Crestview, Niceville, Valparaiso, Destin, Santa Rosa Beach, Bagdad, Leesburg, Fruitland Park, Lady Lake, Wildwood, The Villages, Oxford, Eustis, Umatilla, Mt Dora, Tavares, Howey in the Hills, Winter Haven, Minneola, Clermont, Haines City, Lake Hamilton, Auburndale, Lake Wales, Bartow, and Lakeland, Florida