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Best Homeowners Insurance Agencies in St. Petersburg

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1st Auto and Home Insurance logo
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1st Auto and Home Insurance

9241 North 56th Street, Temple Terrace, FL 33617
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  • Personal Property Insurance
  • Multiple Policy Types

Business Description

1st Auto and Home Insurance is an insurance company that was established in 1996 to serve clients in St. Petersburg and surrounding areas. Staffed with licensed and experienced agents and brokers, it provides home insurance solutions that protect residential property owners from financial risks resulting from weather-related property damage. Its insurance sales team also provides quality automobile insurance services that can help clients foot auto repair costs and medical expenses following car collisions.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Academy Insurance Agency logo
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License Verified:

License: L088601

Florida Division of Insurance Agent and Agency Services

Academy Insurance Agency

6798 CROSSWINDS DR N #C108, St. Petersburg, FL 33710
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  • Renter's Insurance
  • Condos
  • Flood
  • Multiple Carriers
  • Multiple Policy Types
  • Homeowners

Business Description

Academy Insurance Agency is a personal and commercial line insurance agency that covers clients in St. Petersburg. It was established in 2005 by Rose Wainwright, a 45-year veteran of the insurance industry. She and her team of agents provide homeowners' insurance policies for tenants, owners, and real estate buyers. They can compare the quotes and annual rates of policies from over 55 different insurance carriers. They can also process all billings and claims to these carriers, such as Progressive and Homeowners Choice.

License Verified:

License: L088601

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (21)
Facebook
5.0 / 5 (11)
Yelp
3.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Anthony B. LoSchiavo logo
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License Verified:

License: E001339Full

Florida Division of Insurance Agent and Agency Services

Anthony B. LoSchiavo

2752 66th Street North, St. Petersburg, FL 33710
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  • Renter's Insurance
  • Fire
  • Homeowners

Business Description

Anthony B. LoSchiavo is a GreatFlorida Insurance agent that serves clients in the St. Petersburg metro and nearby areas. LoSchiavo offers homeowners' insurance products and guides clients through various coverage types, including medical expenses, liability, and dwelling coverage. He carries other personal insurance solutions, like boat, auto, and motorcycle insurance. LoSchiavo also provides commercial insurance services, and clients can opt for umbrella and business insurance options. He has over 13 years of insurance experience.

License Verified:

License: E001339Full

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.7 / 5 (78)
Facebook
1.0 / 5 (1)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Arrington Insurance of Florida, Inc. logo
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Arrington Insurance of Florida, Inc.

13801 Walsingham Rd Ste E, Largo, FL 33774
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  • Flood
  • Multiple Carriers
  • Personal Property Insurance
  • Homeowners

Business Description

Arrington Insurance of Florida Inc. is a locally-owned and operated, independent insurance brokerage that's been providing insurance policies to residents of Saint Petersburg, Florida for more than 30 years. The company works with providers such as Nationwide and Florida Peninsula Insurance Company to provide homeowners insurance, as well as renters, landlord, condo, mobile home, and schedule property insurance policies. In addition to home insurance, Arrington Insurance of Florida Inc. offers auto, flood, and jewelry insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (121)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Bankers Insurance Group logo
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License Verified:

License: W509420

Florida Division of Insurance Agent and Agency Services

Bankers Insurance Group

11101 Roosevelt Blvd N, St. Petersburg, FL 33716
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  • Renter's Insurance
  • Condos
  • Homeowners
  • Landlords

Business Description

Bankers Insurance Group has been serving the St. Petersburg area for over 40 years. The company offers homeowners', renters', condos, landlords, and residential flood insurance. The policies aim to help protect clients' properties and keep their assets secure from damages caused by earthquakes and hurricanes. Its homeowners' insurance policy also covers clients against personal and animal liability, loss of use, and identity fraud. Bankers Insurance Group also serves the needs of commercial clients through builder's risk and business owners' insurance coverage.

License Verified:

License: W509420

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.5 / 5 (182)
Facebook
4.5 / 5 (57)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Bentley DeNight logo
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License Verified:

License: L011735

Florida Division of Insurance Agent and Agency Services

Bentley DeNight

6524 1st Ave N, St Petersburg, FL 33710
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  • Multiple Policy Types

Business Description

Based in St. Petersburg, Bentley DeNight is an independent insurance agency serving clients throughout Florida's Sun Coast counties. It offers auto, property, commercial, and flood insurance for individuals and businesses. Its property insurance policies cover both homeowners and renters. It also protects various types of dwellings, such as condos, mobile homes, and coastal properties. With nearly two decades of operation, Bentley DeNight has established a broad roster of insurance carriers, including Citizens, Lloyd's, Progressive, and Safeco.

License Verified:

License: L011735

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Blankit Insurance Group logo
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Blankit Insurance Group

1211 Tech Boulevard, Tampa, FL 33619
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  • Renter's Insurance
  • Multiple Policy Types
  • Flood
  • Fire
  • Condos

Business Description

Blankit Insurance Group is a personal and business insurance agency working with the residents of St. Petersburg and the surrounding communities. The agency sells homeowners insurance packages that reimburse the policyholder for repairs for damage done by wind, fire and smoke, and water. Its policies also protect valuable items inside and outside of clients' homes, including fine art and jewelry. Additionally, Blankit Insurance Group offers auto, umbrella, and renters insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (231)
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Cathy Shadwick logo
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License Verified:

License: A239099

Florida Division of Insurance Agent and Agency Services

Cathy Shadwick

3499 4th Street North, St Petersburg, FL 33704
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  • Homeowners

Business Description

Cathy Shadwick is an insurance agent at State Farm that serves individuals and businesses throughout the community of St. Petersburg. For more than 30 years, she has been assisting and helping customers in a wide variety of insurance products, including health, homeowners', auto, business, and life insurance. Her affiliation, State Farm, is an independent insurance agency composed of agents with a collective industry experience of over 100 years. It also supports various charities and local non-profit organizations, such as The Free Clinic and CASA.

License Verified:

License: A239099

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.7 / 5 (96)
Facebook
5.0 / 5 (5)
Yelp
1.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Gator Auto Insurance Service logo
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Gator Auto Insurance Service

6390 Park Blvd N, Pinellas Park, FL 33781
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  • Condos
  • Multiple Carriers
  • Personal Property Insurance
  • Homeowners

Business Description

Gator Auto Insurance Service is a Pinellas Park insurance agency that sells home insurance in the Tampa Bay area. With over 20 years of experience, the company offers home insurance for both old and new homes, manufactured homes, condos, and mobile homes. The company also provides coverage for businesses, automobiles, boats, recreational vehicles, motorcycles, and jet skis. Gator Auto Insurance Service offers comprehensive policies with reliable customer service and knowledgeable staff.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.5 / 5 (177)
Facebook
4.4 / 5 (21)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
HH Insurance logo
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License Verified:

License: L101803

Florida Division of Insurance Agent and Agency Services

HH Insurance

3443 1st Ave N, St. Petersburg, FL 33713
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  • Renter's Insurance
  • Condos
  • Homeowners

Business Description

HH Insurance offers personal and business insurance coverage to clients in St. Petersburg. The company's professionals have over 200 years of combined experience, providing policies tailored to their needs. It offers a wide selection of products, including homeowners', life, and motorcycle insurance, in addition to valuable items and umbrella coverage. The company's homeowners' policy covers residential properties, waterfront condos, downtown apartments, and mobile homes. HH Insurance also has options for general liability, workers' compensation, and business owners' policy for its commercial clients.

License Verified:

License: L101803

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (573)
Yelp
3.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Italiano Insurance Services, Inc. logo
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Italiano Insurance Services, Inc.

3021 W Swann Ave, Tampa, FL 33609
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  • Flood
  • Multiple Policy Types

Business Description

Italiano Insurance Services Inc. is an independently owned and operated insurance agency that has been serving the St. Petersburg community for over 60 years. The company offers homeowners insurance plans that protect the home in the event of hurricanes, sinkholes, and fires. Its packages also cover the contents of the home that may be damaged or stolen. Additionally, Italiano Insurance Services Inc. sells insurance policies to cover clients' businesses and automobiles.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.5 / 5 (182)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
James Insurance Solutions logo
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License Verified:

Florida Division of Insurance Agent and Agency Services

James Insurance Solutions

2100 5th Ave N, St Petersburg, FL 33713
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  • Renter's Insurance
  • Condos
  • Homeowners

Business Description

James Insurance Solutions is a multi-line agency that serves individuals and businesses in St. Petersburg and the neighboring communities. It provides several types of personal insurance options, including homeowners' insurance. It also offers wind, flood, motorcycle, inland marine, automobile, umbrella, and renters' insurance plans. The agency customizes business owners' and property, general liability, workers' compensation, and event insurance. Medicare Part A, B, C, and D plans are available. It has partnered with several insurance carriers, such as Foremost, Homeowners Choice, and Progressive.

License Verified:

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (10)
Google
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Llewellyn Insurance Services logo
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Llewellyn Insurance Services

1801 16th Street North, St. Petersburg, FL 33704
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  • Homeowners

Business Description

Llewellyn Insurance Services caters to clients in St. Petersburg and the surrounding areas. It specializes in helping individuals protect their residential properties by providing homeowners' insurance products. It also carries various property insurance policies, including flood, condo, vacant dwelling, wind and hail, renters, and umbrella insurance. Other products include business, vehicle, and life insurance. Llewellyn Insurance Services is an independent insurance company that has been in the industry since 1990.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.7 / 5 (34)
Facebook
5.0 / 5 (16)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Mark Wilson - State Farm Insurance Agent logo
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Mark Wilson - State Farm Insurance Agent

9810 North 56th Street, Temple Terrace, FL 33617
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  • Multiple Policy Types

Business Description

Mark Wilson is an insurance agent with State Farm Insurance serving the residents of St. Petersburg and the surrounding areas. The agent has over 30 years of experience in the field, and he sells insurance packages for homeowners that protects the client's home in the event of natural disasters and vandalism. The policies also reimburse clients for stolen and damaged belongings in the home. Additionally, Wilson offers auto and business insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.3 / 5 (33)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Moore Resources logo
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License Verified:

License: L058117

Florida Division of Insurance Agent and Agency Services

Moore Resources

4563 Central Avenue, St. Petersburg, FL 33713
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  • Renter's Insurance
  • Flood
  • Homeowners

Business Description

Moore Resources is a multi-line insurance agency based in St. Petersburg. It offers both personal and commercial policies, ranging from homeowners' insurance to general liability insurance. The agency's staff assesses the clients' financial needs and designs coverage plans, utilizing various carriers that meet their requirements. Moore Resources and its staff have helped different local businesses acquire insurance, including Tom White Painting and Restoration, Clean Streak Pressure Washing, and Bridgewater Commercial Real Estate.

License Verified:

License: L058117

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (195)
Facebook
5.0 / 5 (53)
Yelp
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
NorthEast Underwriters logo
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NorthEast Underwriters

4790 1st St N, St Petersburg, FL 33703
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  • Multiple Carriers
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

Founded in 1962, Northeast Underwriters is an independent insurance agency located in Saint Petersburg, Florida. Home coverage specialists work with several A-rated carriers to offer clients the right policy to repair, replace, or rebuild their homes following a valid claim. Most plans cover the dwelling, personal items, such as furniture, clothing, and electronics, personal liability, medical payments, and loss of use from windstorms, hail, lightning, fire, theft, and vandalism. The company also provides auto and business insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (149)
Facebook
5.0 / 5 (28)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Roca Insurance logo
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Roca Insurance

10039 East Adamo Drive, Tampa, FL 33619
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  • Fire
  • Multiple Policy Types

Business Description

Roca Insurance is an independent agency that's been providing insurance services to clients in St. Petersburg and its surrounding areas since 1995. Through its licensed agents, it offers several types of home insurance policies, including homeowners' and renters' plans. The company's home insurance products include fire, burglary, property liability, and condominium policies as well as new construction and older home insurance programs. Roca Insurance also offers automobile insurance along with coverage plans for businesses.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Solutions Insurance logo
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Solutions Insurance

1110 Pinellas Bayway S Ste 111, St Petersburg, FL 33715
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  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

Solutions Insurance is a full-service, family-owned and operated independent insurance agency serving Florida with homeowners insurance shopped from dozens of carriers including Progressive, Edison, Frontline Insurance, and Florida Penninsula. The agency offers policies ranging from minimum required dwelling, personal property, and liability coverage to comprehensive insurance plans featuring flood and theft protection. The company also offers renters, condo, auto, motorhome, and RV insurance. Solutions Insurance is a member of the Trusted Choice Independent Insurance Agents and USAAB.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Facebook
4.8 / 5 (55)
Google
4.7 / 5 (35)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
TBIG Insurance logo
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License Verified:

License: L052311

Florida Division of Insurance Agent and Agency Services

TBIG Insurance

8950 MLK Street N #107, St Petersburg, FL 33702
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  • Multiple Policy Types

Business Description

TBIG Insurance is an independent agency that has been serving St. Petersburg for more than 50 years. It offers home insurance that aims to help clients keep their real estate property and belongings protected in the event of an unexpected accident. This policy covers the repair and replacement expenses of damaged items. Policyholders can also acquire liability insurance if someone has suffered injuries in their properties. TBIG Insurance represents various carriers, including Heritage, Progressive, Nationwide, and Mercury.

License Verified:

License: L052311

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.1
Google
3.9 / 5 (11)
Facebook
4.6 / 5 (10)
Yelp
3.5 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
The Starboard Insurance Group Inc logo
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License Verified:

License: L097344

Florida Division of Insurance Agent and Agency Services

The Starboard Insurance Group Inc

4763 Central Avenue, St Petersburg,, FL 33713
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  • Personal Property Insurance

Business Description

The Starboard Insurance Group Inc. is an independent agency that serves St. Petersburg. It offers a wide selection of products for individuals and families, such as homeowners', condo, auto, boat, and flood insurance. Its homeowners' insurance policy protects the client's property and belongings against damages and theft. The business also connects clients with commercial coverage, including general liability, builders risk, and business owners' policy. It represents an extensive network of carriers, such as Cigna, Travelers, Avatar, Allianz, and Berkshire Hathaway.

License Verified:

License: L097344

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
4.5 / 5 (182)
Facebook
4.5 / 5 (57)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Back to Providers

Frequently Asked Questions

Introduction

Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.

What determines the price of homeowners insurance premium?

The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

What is the difference between home warranty and homeowners insurance?

Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

Does Geico offer homeowners insurance?

Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

How long does homeowners warranty insurance last?

Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

Does homeowners insurance cover water heaters?

Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

Are RVs covered under homeowners insurance?

Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

Do new buyers need owner\'s title insurance on a new home?

There are unique risks that a buyer of a new home may face. For example, property claims from previous owners or liens from suppliers whom the homebuilders never paid during construction. Title insurance protects the home from these perils, and your mortgage lender may require it.

Do owner builders need home warranty insurance?

In the United States, owner builders are not required to have home warranty insurance. If you're the one who built your home, you're expected to incur the costs of repairs yourself if a structure or appliance breaks down.

Are dogs deaths covered in homeowners insurance?

Usually, the loss of a dog or other pet is not covered by your home insurance. However, many insurance providers offer riders — packages of added coverage — for pets called pet insurance. This ensures that medical costs and property damage caused by your pets are fully covered.

Are earthquakes covered in standard homeowners insurance policies?

Standard homeowners' insurance policies do not cover damage directly caused by earthquakes. Insurance will sometimes cover indirect damage, however. For example, if an earthquake causes a fire in your home, damage from the fire will be covered under a standard home insurance policy.

Are homeowners insurance and car insurance deductible?

Homeowners' insurance and car insurance premiums are not deductible as personal expenses on your taxes. However, some percentage of your premiums may be deductible as business expenses if you own a business and use your car and home for business purposes. This may vary between states.

Are homeowners insurance payouts taxable income?

If you file a claim after a burglary at your home, for example, the insurance company will assess the value of the property lost or damaged and reimburse that amount. This payout is not taxable because it's not income — it's a replacement of lost value.

How frequent should one change auto or homeowners insurance to another provider?  

If you find home and auto insurance policies that you're happy with, you may never want to switch. However, various providers offer different combinations of coverage and price, so you may want to assess all your options every few years.

What should a homeowners insurance include/cover?

A homeowners' insurance policy should cover the dwelling, personal property inside and some outside, other structures on the property, and liability. For example, it should cover medical bills if a guest sustains an injury. Not all of these coverages are included in every policy.

How much homeowners insurance should someone carry?

How much insurance you need depends on the size of your home, its age, and other unique factors. Standard insurance policies cover around 70% of the total value of your home and additional covered property. Most policies that offer premises liability include $100,000 in liability coverage.

Read all FAQs