Homeowners Insurance in Miramar, Florida

Homeowners insurance is designed to cover your property and personal belongings from a variety of risks. A standard policy typically includes:

• Dwelling coverage may help cover the costs of repairing or rebuilding your home if it’s damaged by covered events, such as fire, windstorms or vandalism.

• Personal property coverage may cover your belongings, including furniture, electronics and clothing, against theft or damage.

• Liability coverage may apply if someone is injured on your property or if you accidentally cause damage to someone else’s property.

• Additional living expenses coverage may help offset costs such as hotel stays or meals if your home becomes uninhabitable due to a covered loss.

Why Does This Policy Matter in Florida?

Local homeowners may face risks such as hurricanes, tropical storms and flooding. While standard homeowners insurance can cover many perils, it’s important to know what is and isn’t included. For instance, flood damage is usually excluded and may require a separate policy. Our team can review your risks and recommend coverage options tailored to your needs.

What Factors Can Affect My Premium?

Your insurance rates may depend on factors such as:

• Your home’s age and condition

• Value of your personal belongings

• Location and proximity to fire stations or flood zones

• Coverage limits and deductibles you choose

Get the Coverage Your Home Deserves

Call Tanenbaum Harber Insurance Group today to discuss your coverage needs and get a personalized quote.