Homeowners Insurance

Home Insurance to Protect What Matters Most

We want to be your go-to source for home insurance in Polk County, FL and home insurance in Lakeland, FL, whether you’re an educator or another average homeowner. 

We also know that when it comes to your home and family, you shouldn’t settle for anything less than the best. If a disaster knocks on your front door, you should be able to rest easy knowing that your insurance has your back. 

That’s where we can help. 

What Does Homeowners Insurance Cover?

Homeowners insurance is a must for any family that owns their own home. After all, for most people, a house is the biggest single purchase they will ever make. It’s the place where you stake your dreams and make memories you’ll treasure for a lifetime.

Which is why you need homeowners insurance–to protect those dreams and memories, no matter what gets thrown your way. 

Homeowners insurance provides financial protection in the event of disasters, theft, and accidents, specifically with regards to your home. Standard homeowners insurance policies typically address four areas of coverage: 

  1. The structure of your home
  2. Your personal belongings
  3. Liability coverage
  4. Additional living expenses (ALE)

Together, these four components give you an insurance policy that provides all-around protection for the place you call home. 


On a literal level, homeowners insurance protects the physical structure of your house. 

Specifically, most standard policies will pay to repair or rebuild the structure of your home in the event of things like: 

  • Fire and smoke damage
  • Internal water damage (NOT flooding)
  • Weather-related damage
  • Explosions 
  • Damage due to civil disturbances
  • Theft
  • Vandalism
  • Damage due to motor vehicles and aircraft

However, most standard policies do not cover the structure of your home for damage caused by flooding, earthquakes, or regular wear and tear. 

Personal Belongings

Of course, your home isn’t limited to just the physical structure. Your home is also made up of the possessions you house inside it. Which is why standard homeowners insurance policies also offer coverage for your personal belongings, generally 50-70% of the insurance you have on the structure of your house. 

When it comes to personal belongings, the most important question is whether you have enough coverage. In that case, you should start by doing a home inventory. 

Keep in mind that expensive items, like high-end art, valuable jewelry, collectibles, and silverware are covered, with a stipulation. Because these items can be quite expensive, your policy will generally only cover their loss up to a fixed dollar amount. 


Let’s say you have a house party. It’s going well…until someone slips and falls, or your kids get into a fight, or your dog bites someone. 

Guess what? Homeowners insurance covers that. 

This falls under the realm of liability coverage, which protects you from lawsuits for bodily injury or property damage caused by you and your family members. It can even pay for the cost of defending you in court (up to a fixed dollar amount). 

Additional Living Expenses

What would you do if your home was hit by a hurricane? Much though we love our state, it is a realistic possibility that each of us must face. 

Here’s the good news: if you can’t stay in your home due to storm damage or any other situation that renders your home temporarily unliveable, homeowners insurance can cover your living expenses in the interim. 

There are limits on the amount or time you can continue to receive coverage if your home is unlivable. However, this is completely separate from coverage that allows you to repair and rebuild your home. 

And if a hurricane hits, that provides some precious peace of mind.

Home Insurance Polk County FL and Lakeland FL

We love our beautiful state of Florida, and we’re pretty sure you do too. 

Here’s the problem: Florida has one of the most complicated insurance markets in the country, especially if you live in a coastal county. 

But your home insurance shouldn’t be a source of confusion, and you should never be forced to choose between two bad options when it comes to protecting what matters to you. You should be able to understand your options and choose the best fit for your home and family. 

That’s why we work with some of the best insurance providers in the state–to bring you the coverage you need, when you need it, and nothing less than the best service on the market. 

Discounts to Protect Your Home and Family

We understand that life as a teacher is busy. We also know that when it comes to protecting your family, there’s no room to compromise. That’s why we offer the best home insurance in Polk County FL and the best home insurance in Lakeland FL for educators. 

Just for being an educator, you get special rates. Because we know that an educator is an integral part of our community.

Do you have a question?

Let our knowledgeable staff guide you to the right path.