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Homeowner's Insurance/ Mobile Homes/ Rental Dwellings

No matter where your home’s located; no matter its age, size, value or type, The Donna Carrara Insurance Agency offers multiple Homeowner’s policies to fit every budget range:

• HO-1: Basic or standard – This is a bare bones policy, with restricted coverages.
• HO2: Broad form – This policy type adds additional coverages to the H0-1.
• HO3: Special form – This is Florida’s most popular policy, providing comprehensive coverages.
• HO8: Older homes – These policies provide reimbursement on a cash-value basis.
• DP1 Dwelling Fire – If you have tenants renting your home, a Dwelling Property 1 policy provides the minimum coverage required by law. A DP1 policy is also an option if your property's vacant. As a "named perils" policy, a DP1 covers only the events explicitly named therein. Any event not listed is not covered. The primary benefit of a DP1 policy is reduced cost. It's important to keep in mind, though, that DP1 coverages are significantly restricted compared to other policy types.
• DP3 Dwelling Fire – Although DP3 policies are less-expensive than standard homeowner's policies, they're more expensive than DP1s, but provide coverage against most perils. Also like standard policies, DP3s always include a handful of exceptions--including flood--listed on the exclusions page. To be clear, Dwelling Property 3 policies don't provide as much coverage as standard homeowner's policies, and are a budget option. Like DP1s, these policies are good option if you rent your home to tenants, if your property is vacant, or if you need a less-expensive option compared to standard coverages.

Contact The Donna Carrara Insurance Agency today for a free homeowner’s insurance quote. Or, for a free online homeowner’s insurance quote, click over to our Homeowners Quote page.