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Homeowners Insurance

Homeowners Insurance in Venice, FL & Port Charlotte, FL


The Finly Family Insurance Agency located in Port Charlotte, FL, represents over 30 different insurance companies operating in Florida’s Sarasota, Charlotte, and Lee County.  Homeowners insurance policies are actually two policies in one:  Hurricane Insurance, and Fire and Lightning policies.  Flood Insurance can be added to make sure that you have no coverage gaps in your Homeowners Insurance.

All three policies can be purchased together or separately.   However, Flood Insurance is always its own policy and must be purchased independently.

Homeowners Insurance has two deductibles that can range from $500.00 to $5000.00, the cost of which depends on the amount of insurance carried on the home and the specific insurance company’s set of guidelines.   Hurricane Insurance deductibles are based on a percentage; usually 2%, 5%, or 10% of the property’s value.  The higher the deductible you take, the lower your premium will be.

One important thing to know about Homeowners Insurance is that aluminum or screen cages are not normally covered and that such coverage must be added to your policy.   Rates will vary depending on which Insurance company you choose.    To find out more, please click on our free quote link, fill in the information, and let’s see what we can do for you!

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