Homeowners
Insurance

Homeowners
Insurance

You’ve come to right place for homeowner’s insurance. First, take a deep breath. It’s not as complicated as it seems, especially with TopLine behind you.

Let's start at the beginning.

Mortgage lenders will require homeowner’s insurance to even consider giving you a mortgage. Your homeowner’s insurance provides a safety net, protecting your home and saving you from large costs should a disaster damage or destroy your home.

How? You pay a premium (the price of your policy) and the insurance provider pays for certain damages in the event of a disaster.

Types of Homeowners Insurance

HO3 Home Insurance Policy

This is the most common type and considered a Traditional Policy.

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Most people living in a single-family home will choose a traditional home insurance policy (HO3 Policy). It protects your home, your things and covers:

  • Your dwelling
  • Other structures like garage, sheds, fences
  • Personal property
  • Loss of use
  • Your personal liability
  • Visitors' medical expenses

Call TopLine at 561-599-5800 for the best pricing and coverage.

We'll examine those in more detail

  1. Your dwelling. Home insurance pays to repair or rebuild the physical structure of your home, like roof, windows, walls and foundation, if your home is damaged be a covered event like:
    • Fire and smoke damage
    • Hurricane*
    • Theft
    • Lightning
    • Water damage
  2. Other structures. Home insurance covers structures on your property like sheds, fences, detached garage and more.
  3. Personal property. Protects your things, like furniture, electronics and clothing to name a few.
  1. Loss of use. If your home is so damaged it becomes uninhabitable, your policy can pay for hotel or apartment bills, food costs and general living expenses, while you wait for your home to be repaired.
  2. Personal liability. Will help pay for legal expenses if someone gets injured on your property and you are held legally responsible.
  3. Visitor medical expenses. Can pay for a guests’ immediate medical expenses (like ambulance charges) if they’re injured at your home.

What does traditional home insurance (an HO3 Policy) not cover?

  • Flooding** To be covered for flood damage caused by storm surges, overflowing river, etc., you need a separate flood insurance policy.
  • Wear and tear
  • Earthquakes
  • Negligence (lack of maintaining the property)

*In a hurricane prone area like Florida, your homeowner’s policy will have a separate deductible – a hurricane deductible, for wind damage caused by a hurricane. Remember, a hurricane deductible does not apply to losses from floods. You need a separate flood insurance policy for that.

**Homeowner’s policies typically don’t cover flood damage, that should be purchased separately. A flood is basically defined as a natural event or occurrence where a piece of land that is usually dry land is suddenly submerged in water. Your homeowner’s insurance policy does cover water damage from water leaks within the home - burst pipe, leaking washing machine, leaking roof etc.

DP3 Home Insurance Policy

If you’re renting out your home, you’ll want a DP3 Policy.

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DP3 policies were created specifically to protect the home and property of its landlord. Frequently, renting your home increases the risk of property damage.

What does a DP3 Policy cover?

  • The physical structure

You can also choose your DP3 Policy to cover:

  • Other structures like garage, awnings, fences, etc.
  • Personal property like furniture, appliances, electronics, etc.
  • Your personal liability

A DP3 Policy is also appealing for those renting out a home because it can cover loss of rent. An example would be if a windstorm damages your roof and your tenants need to find some temporary housing, the lost income will be covered while the house is being repaired. This is particularly important if a large portion of your income is from the rental property.

Call TopLine at 561-599-5800 for the best pricing and coverage.

 

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What we cover

HOME

We’ll find homeowners insurance that’s perfect for you – whatever your needs are. With TopLine, you know you’re getting the best home insurance there is.

CONDO

Yea, we do condo insurance and we do it really well. For a great condo insurance quote, we’re the one to turn to.

RENTERS

If it’s renters insurance you need, we have you covered. Make sure your personal property is protected with apartment insurance from TopLine.

MOBILE

Mobile home insurance is unique, and few understand the ins and outs like TopLine.

FLOOD

Flood insurance is important, especially since they’re the most common form of natural disaster in the US. Count on us to get you a flood insurance quote that will fit your budget.

Home insurance made easy.

Home
insurance
made easy.

Let's talk: 561-599-5800

Let's talk:
561-599-5800