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Home insurance premiums in half."
- Pam from Denver, Colorado
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Why Homeowners Insurance?
For most families, their home is their single biggest investment and asset. Homeowners insurance provides coverage for your personal belongings, coverage for damages to the structure of your property, and liability coverage that pays for bodily injuries and property damage to other people if you are found liable.
Who Needs Homeowners Insurance?
Homeowners insurance can help protect your investment whether you own a single family home, duplex, condominium or mobile home. When you apply for a mortgage or refinance, the lender will generally require proof of homeowners insurance to protect both their investment and yours. Required or not, homeowners insurance is the single best way to protect against unexpected losses.
What's covered?
Depending on your budget and individual needs, homeowners insurance can be purchased for a number of coverage options.Typical coverage may insure against losses such as the ones shown below. Ask your Insurance company for information regarding specific policies.
  • Injury occurring on your property
  • Fire and lightning
  • Smoke damage
  • Windstorms and hail
  • Vandalism
  • Theft
  • Explosions
  • Riots and civil commotion
  • Damage by vehicles and aircraft
  • Glass breakage
What is not covered?
Homeowners Insurance does not cover water or flood damage. Ask your Insurance Company about Flood Insurance. Premiums are based on the level of coverage, individual company rates (which may vary significantly), the value of your home and its contents, its location, and the amount of your deductible.
How do I find the best value in homeowners insurance?
Homekeys has partnered with NetQuote to provide a free service that enables you to quickly and easily compare homeowners insurance rates. You will receive competitive bids by e-mail within minutes.

Homekeys offers Realtor® services in Florida. Whether you are in Miami, Orlando, Jacksonville, Ft. Lauderdale, Tampa, or anywhere in between, you can search listings throughout the state. Undervalued homes are great deals, but sometimes when you search listings, they are hard to find. In Miami-Dade county where we offer ValueSearch® you can quickly find undervalued homes up to 50% under market value. Get your Free 7 day trial and begin your search for undervalued homes. If you're looking to rent in Fort Lauderdale, or somewhere else in the state, check out our rental services. If you are looking to sell, we offer different Flat Fee MLS packages to suit your needs which start at $69. Or you could choose the Premium Flat Fee MLS Listing for more exposure.
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