Homeowners Insurance

Erb and Young’s goal is to provide its clients with affordable insurance that is tailored to fit their individual needs. The basic coverages a home insurance policy includes are:

• Building
• Other Structures
• Personal Belongings
• Reimbursement for additional expenses after a claim
• Personal Liability Coverage (Lawsuit Coverage)
• Medical Payments for guests’ injuries

To offer affordable policies, Erb and Young has contracted with more than 20 of the top insurance companies in the State of Florida. Each company provides a different benefit to the policy holder. Erb and Young compares the price and coverage from each company and helps choose the policy that best fits the client’s specific needs.

Homeowner’s insurance can be very complicated to write, so it is important to work with an agent that you trust and who is willing to take the time to understand what your coverage needs are. Insurance agents should ask clients questions to help identify the issues that will affect the rates or coverage.

Things that could affect your policy include:

• Credit scores
• Inspections
• The number of family members in your household
• Your work status
• Deductibles
• Current coverage
• Past claims

Every policy also has specific coverage and eligibility concerns that need to be uncovered. This could include:

• Aluminum wiring in older homes
• Old water heaters
• Wind coverage on a beachside home
• A wood frame 2nd story
• Sinkholes in your neighborhood
• Pool’s with slides or diving boards
• Pets