You've found the perfect home, now find the perfect insurance.  Our Concierge Program is a vehicle that helps Buyers and Sellers with virtually all of the services they require.  As a consumer, you have the right and are encouraged to choose professional services to complete your real estate transaction.  Insurance is readily available in Florida.  We have many competitive companies that provide fast, comprehensive, innovative and cost effective insurance for homeowners, flood, boats, planes, buildings, commercial and group insurance.

Use these different types of insurance as a reference guide: 

• Builder's Risk Insurance - Protection for the assets of small-business owners and designed specifically for construction professionals.

• Business Owners Policy (BOP) - Business Owners Insurance protects the unexpected. Protect the contents of your office from severe weather, fire or crime. Many landlords are now making it mandatory that tenants have a Business Owners Policy.

• Employment Practices Liability Insurance - Whether discrimination, wrongful termination, workplace harassment or sexual harassment, this coverage provides protection for the employer against employment related suits brought by your employees as well as Independent Contractors.

• Insurance Binder -  A temporary insurance arrangement usually put in force until a permanent policy can be obtained.

• Insurance -  Owners and buyers can purchase various types of insurance: hazard, private mortgage and earthquake. The policies guarantee compensation for specific losses. 

• Insurable Title  - Title to property that a company agrees to insure against defects and disputes.

• Institutional Renters Insurance - Customized blanket renters insurance plan for facilities with 1,000 or more units. Company housing, large apartment buildings and military housing are all good candidates. 

• Non-Profit Directors and Officers (D&O) - Non-profit organizations need coverage to protect a range of individuals from lawsuits. Many non-profit organizations need D&O coverage to protect their officers, directors and volunteers from lawsuits and the associated costly litigation.

• Professional Liability Errors and Ommission Insurance - Insurance coverage provides that the limit of liability available to pay judgements or settlements on a claims made basis.

• Worker's Compensation - Many states require employers to provide Workers' Compensation insurance. Even if only one person is on the employer's payroll, workers compensation benefits must be provided. Some state's penalties are imposed if any employer fails to provide insurance or self-insure.

All State Insurance	O 1.863.676.5658
Ameriprise	TF 1.888.239.9953	https://www64.ameriprise.com/autohome/servlet/QuoteServlet
Consumer Select  Insurance	TF 1.866.320.4274 F 1.863.624.9985  O 1.863.624.4274	Click the banner for your free quote. Open 7 days a week / M-F til 8-9 pm
Edward Lamb and Associates	O 1.863.676.7691 F 1.863.676.6043
Emerald Title Insurance	O 1.863.294.3633 F 1.863.299.3758
Faneuf Insurance	TF 1.800.879.1857 O 1.863.676.7800 F 1.863.678.0591
Florida Citizens Property Insurance	TF 1.888.685.1555	http://www.citizensfla.com
Florida Insurance Specialists	TF 1.866.681.4688
Florida Market Assistance Plan	TF 1.800.524.9023	www.fmap.org
Jack's Insurance	O 1.863.688.9271
R.L. O’Quinn Insurance	O 1.863.676.3649 F 1.863.678.0248
Steven Jones Insurance	O 1.863.858.4900

These companies and individuals are considered to be reputable within the real estate industry, but are in no way endorsed, nor are their services or prices warranted or guaranteed in any manner whatsoever by Heart Of Florida Realty or it’s Associates.