Homeowners Insurance

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Make sure you have the right homeowners coverage

Do you have the proper protection for your home? Contact us today to review your policy.

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What You Need To Know About Homeowners Insurance

Your Florida home is not only your most significant or most valuable asset - it keeps your loved ones safe and secure. At The Cota Group, we understand how important your home is to you. That is why we are so committed to educating you on your policy and coverage options. We won't suggest coverage you don't need, but we won't allow you to be unnecessarily vulnerable to damage should the unexpected occur.

Your Home, Your Coverage

Every homeowner has their own specific needs for coverage, and no formula is right for every family. The right choice for you depends on multiple factors, and your lender's minimum coverage requirement may not be enough to rebuild or repair your home in the event of a major storm or fire. When you consult with an expert at The Cota Group, you can relax and enjoy the peace of mind that comes with knowing you have the very best protection for your family.

A homeowner's insurance policy primarily covers damages caused to the home resulting from fire, hurricane, or other catastrophic events. In addition to providing coverage for the repair or replacement of your physical structure, a comprehensive homeowner insurance policy typically includes:

* Contents Coverage: A significant incident may not only affect the structure but can result in loss of or damage to personal items, such as clothing, electronics, appliances, and furniture. A contents policy provides the coverage you need.

*  Loss of Use: If your home is damaged to the point of being unsafe, you may need to temporarily relocate to a hotel or rental property. Loss of use coverage will assist with those expenses.

* Liability Coverage: If someone sustains an injury on your property, liability and medical insurance will cover medical bills or legal claims.

* Other Structures: A garage, deck, or barn which is located on your property may also incur damages, and this rider will provide replacement coverage.

Windstorm Coverage

Florida's hurricane season runs from June through November, but severe weather and windstorms can happen throughout the year. Because of the likelihood of significant storms occurring in the area, every Florida resident is required to obtain Windstorm coverage on any home secured by a mortgage.

For area residents who do not have a mortgage, windstorm coverage is not mandated. However, every homeowner should strongly consider obtaining this coverage due to the real risk of high winds and storms, resulting in property damage at some point.

Flood Coverage: The necessity to obtain flood insurance depends upon the home's proximity to water, as well as its structure and elevation. If the home is located in a high-risk flood zone (A or V), the mortgage lender will require a flood rider. Your insurance advisor can help you determine your risk if the home is located in a low-risk flood zone (B, C, or X).

Keep Your Home Protected

The experts at The Cota Group are ready to help you decide which homeowner's insurance coverage is best for you. We work with industry professionals such as Tower Hill, Travelers, Nationwide and FedNat. One of these quality insurers is sure to provide the perfect insurance plan for you.

After all, there is no place like your home, and no better way to protect everything you love.
From Lakewood Ranch to Arcadia, The COTA Group is your home insurance connection.