Typically if you have a mortgage, you are required to have homeowners insurance.

There is no “one size fits all” formula. Some people buy the bare minimum coverage, while others buy very extensive insurance. It’s best to talk with one of our agents so we can get an understanding of what your needs and budget are.

The facts are that 90% of natural disasters in the US involve flooding. Homes in coastal counties are particularly vulnerable to flooding, plus, flood insurance is the only coverage that protects you from storm surges. Considering 25% of all flood claims come from low to moderate flood regions, we think it’s something you should consider.

If this all seems a little confusing, don’t worry. One of our agents can walk you through it and will help you calculate your home’s replacement cost based on all the relevant factors.

We all know that dogs are our best friends. However, some dogs breeds are considered higher risk for bite or injury – dog bites are more common than you think. Work with your TopLine agent to find the coverage you need.

A gated community, 55 years of age or older, are just a couple of the discounts you may be eligible for. There are many others, so talk to one of our agents to find out which discounts you qualify for.

This is when a licensed inspector checks to determine your home’s ability to withstand wind damage. The inspection focuses on your roof, roof to wall attachments, if you have hurricane shutters etc. While a wind mitigation inspection is not required in Florida, it could result in major cost savings.

It’s when you a have burglar alarm or fire alarm that is monitored off site, usually by a third-party provider. These providers automatically notify the proper authority, like police or fire department. Having a central monitored alarm system could qualify you for a home insurance discount.

This is a score that measures how likely you are to file a claim on your homeowners insurance policy. The insurance company examines certain factors from your credit history and calculates your score. The score you receive could impact how much you pay for your homeowners insurance.

Just go to the claims tab on our website for the contact information for your insurance carrier.

Typically if you have a mortgage, you are required to have homeowners insurance.

There is no “one size fits all” formula. Some people buy the bare minimum coverage, while others buy very extensive insurance. It’s best to talk with one of our agents so we can get an understanding of what your needs and budget are.

The facts are that 90% of natural disasters in the US involve flooding. Homes in coastal counties are particularly vulnerable to flooding, plus, flood insurance is the only coverage that protects you from storm surges. Considering 25% of all flood claims come from low to moderate flood regions, we think it’s something you should consider.

If this all seems a little confusing, don’t worry. One of our agents can walk you through it and will help you calculate your home’s replacement cost based on all the relevant factors.

We all know that dogs are our best friends. However, some dogs breeds are considered higher risk for bite or injury – dog bites are more common than you think. Work with your TopLine agent to find the coverage you need.

A gated community, 55 years of age or older, are just a couple of the discounts you may be eligible for. There are many others, so talk to one of our agents to find out which discounts you qualify for.

This is when a licensed inspector checks to determine your home’s ability to withstand wind damage. The inspection focuses on your roof, roof to wall attachments, if you have hurricane shutters etc. While a wind mitigation inspection is not required in Florida, it could result in major cost savings.

It’s when you a have burglar alarm or fire alarm that is monitored off site, usually by a third-party provider. These providers automatically notify the proper authority, like police or fire department. Having a central monitored alarm system could qualify you for a home insurance discount.

This is a score that measures how likely you are to file a claim on your homeowners insurance policy. The insurance company examines certain factors from your credit history and calculates your score. The score you receive could impact how much you pay for your homeowners insurance.

Just go to the claims tab on our website for the contact information for your insurance carrier.