Insuring Your Home
Our Florida homeowners insurance is designed to protect your home and other structures on your property (such as a separate garage or fence).
With a Florida home insurance policy from People's Trust, you can be protected against many types of accidental loss, including, but not limited to:
- Fire or smoke
- Windstorm or hail
- Water, excluding Flood
Insuring Your Personal Property
Our Florida home insurance policy protects your personal possessions, such as clothing and furnishings. Our homeowner policies automatically include coverage for your personal property at Actual Cash Value. This means that your lost or damaged property will receive a depreciated value at the time of a loss.
We also offer Replacement Cost coverage for an additional premium, where we will reimburse you based on what your personal property costs to replace today without considering depreciation. Replacement Cost coverage is subject to policy limits, terms and exclusions, all specifically listed in your policy.
Covering Additional Living Expenses
In the event of a covered loss that makes your home unfit to live in, we'll provide coverage for reasonable additional living expenses you may incur while your home is repaired, subject to your policy limits.
If you own high value items of jewelry, furs, silverware or fine art, we have additional coverage available for these items. Ask your Sales Representative or Independent Agent for details.