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Presidential Insurance Service LLC: Providing Homeowners Insurance - Hurricane Insurance in Florida & California.

Homeowner Insurance

Homeowners insurance (HOI) or hazard insurance, is the type of property insurance that covers private homes. It is a multiple line insurance including both property and liability coverage with only one premium paid for all risks. A homeowners insurance policy also combines various personal insurance protections, which can include losses occurring to one's home, its contents, loss of its use, or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home.

The cost of homeowners insurance often depends on what it would cost to replace the house and any additional items to be insured that are attached to the main policy. The homeowners insurance contract is long because it details what is and what is not covered in certain cases. Typically, claims due to certain risks such as flood and termites are excluded. Special insurance can be purchased for these possibilities, including flood insurance.

The payment that the insured person makes for homeowners insurance is called a premium. Premiums differ for various reasons. For example, if you have hurricane shutters or fire alarms and sprinklers, your premium would be less than someone else who did not have those safety features.

Homeowner Insurance - Hurricane Insurance in California - Florida

Are you looking for a free insurance quote for homeowners insurance that will cover you from all natural disasters? We specialize in homeowner insurance california, homeowner insurance florida, hurricane insurance clifornia, hurricane insurance florida, property insurance and any other insurance you might need to protect your home and its contents.

Presidential Insurance Services, LLC offers competitively priced homeowners quotes to California and Florida residents. We specialize in waterfront properties and commercial space. Please call us today at 305-244-3971 for a free instant homeowners quote now!


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