Protect your investment with homeowners insurance.
At Seguro Insurance we believe in doing things right. We believe in taking care of our customers. It’s that personal service that makes the difference. We don’t take short cuts that will put you at risk. Seguro Insurance Agency is a full service insurance agency. We are specialists in insurance packages to fit your needs, including Commercial-Business Insurance, Home/Auto Insurance, Health Insurance, Long Term Care Insurance, and more.
Congratulations on owning your own home. It’s the American Dream. As a Homeowner, be sure to protect your investment with the right coverage. Not all Homeowners insurance policies are the same. Some policies will only cover damage by fire, while others will pay if you accidentally spill wine on your carpet! Do you live in a hurricane zone? There are options for that as well. Let us guide you.
What distinguishes one insurance agency from another is the type of service it provides, how that service is offered along with knowledge and experience to get you the right coverage. Seguro Insurance Agency is dedicated to providing you with personal service combined with our insurance expertise so that you have peace of mind.
We are a private, independently owned agency based in Boca Raton, Florida. Our employees are specialists in the field of insurance and are dedicated to working for your needs. Our employees do have the knowledge and experience to determine the kind of insurance coverage you require, they also care enough to listen to your needs and concerns.
What is the best insurance policy for you?
The one that indemnifies you when you have a loss.
Protection for: Life, Health, Assets.
Your loved ones are important to you and we work hard to make sure they are protected if you are not there. We also tailor the products to protect your assets from getting taxed before they are passed on to your heirs. Ask us about our asset protection programs through life insurance products.
The high cost of healthcare is the number one reason for Americans filing bankruptcy. There are many solutions available to you and we work hard to ensure we are protecting our clients with the most efficient plans. Sometimes two policies
General Liability policies protect you against losses. Make sure you understand what type of protection you have. Many clients pay for a policy and do not understand what the policy covers and what it does not cover. We make sure our clients understand their policies and the coverage they require.
What is Homeowners insurance?
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.
Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.
Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners’ responsibility.
Why do you need homeowners insurance?
It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That’s important because chances are your home is likely one of your largest investments.
- If your home was destroyed by fire or damaged by a natural disaster, you’d need money to repair or replace it.
- If a guest in your home is injured, liability protection and medical coverage help pay expenses.
- If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
- If you are still paying for your home, your lender will require insurance.
It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what’s included and what is not.
Things to consider and questions to ask your agent
Here are few things to discuss with your agent that will influence your decisions.
- How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home’s features and the things you own so you can make an informed decision about coverage.)
- Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
- What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)
- What’s the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.)