Homeowners Insurance

Homeowners insurance since 1907. For a free no obligation quote call (386) 734 3970

Home insurance is an important aspect home ownership. With over a century of providing homeowners insurance, with Gould your investment is in good hands.

At Gould we are committed to finding you a home insurance policy that is specific to your needs. With over 100 years insuring homes and partnerships with only A-rated homeowners insurance providers, you can be sure you are getting the coverage you need at an affordable price. For a free, no obligation home insurance quote call us today 386 734 3970.

The importance of homeowners insurance

Home Insurance compensates you for losses to your home and other structures on your property such as a shed or detached garage, as well as your possessions. Purchasing a homeowners policy provides added security for your investment. Home insurance also protects you for legal liability in case someone is injured on your property, as well as financial losses caused by storms, fire, theft and other catastrophic events.

Some of the many insurance products we offer are listed below:

• Homeowners(HO2, HO3)
• Dwelling Fire(DP1, DP2 and DP3)
• Condominium (HO6)
• Renters Insurance Coverage (HO4)
• Commercial-Residential
• Flood Insurance
  
• Identity Theft Protection
• Equipment Breakdown Coverage

Florida Home Insurance Protection

If your home is destroyed by a tornado or burns down, you will need to rebuild your home and replace all your damaged possessions with only the funds you have or can obtain. Do you normally have $200,000 – $500,000 easily available in case something like this happens? If so, could you be putting that money to better use instead of having it sit there just in case something happens?

Something else to consider: if someone is injured on your property, they may sue you for injuries and damages which may be well above $1,000,000. Without insurance, you may have to sell your assets and even lose a portion of your wages if you have to pay for a judgment.

Your home is like no other and our home insurance policies were designed for homeowners like you, with the coverage’s you want that will give you peace of mind.

How am I Protected by a Homeowners Insurance Policy?

Accidents, fire, and theft are all perils that pose a threat to your home. Fortunately a homeowners insurance policy will cover damages to your house as well as personal property due to a wide array of causes (these cases are called named perils).

Personal Liability is an important aspect of a homeowners insurance policy as this provides coverage for a sister-in-law slipping down your steps during a thunderstorm. Accidents are imminent. As a Florida homeowner you can’t put a price on the peace of mind in being able to go to sleep every night knowing you have the right insurance in place. No matter what the Florida peril that threatens your home, having the right insurance will provide security as well as a peace of mind.

Some coverage’s offered by a Florida Homeowners Insurance Policy include:

• Damage to your personal property due to specified causes in your policy (named perils)
• Broad coverage that include damages to your house as well as any permanent structures on your property.
• Limited coverage that includes jewelry stolen from your home. In cases that you need more coverage for items such as this you might consider a homeowners policy endorsement.
• Coverage for personal liability

How does property insurance and liability coverage tie in?

Homeowners insurance policies are also referred to as multiple-line insurance policies. This means that they include property insurance as well as liability coverage. This includes an indivisible premium, or in other words, a single premium is paid for all of the risks.

There are many variables that go into how much you pay for homeowners insurance

When it comes to homeowners policies there are many variables that play into your premium. Most insurance companies charge a lower premium if it is less likely the home will be destroyed or damaged. For example: you premium might be lower if your house is situated next to a fire station, shows wind mitigation measures or has a security system of hurricane shutters. There are many factors that play into your premium. No matter what state your home is or what type of measures your home has Gould can help to make sure you have the right home insurance policy for your specific needs.

Finding the best insurance rate as a Florida homeowner

Florida is faced with many perils including everything from hurricanes, tornadoes, lightning, thunder, fire, flooding and more. Due to this fact Florida’s Home Insurance rates are some of the highest in the country. This makes it difficult as a home owner in Florida as many residents are constantly shopping and comparing rates. When it comes to finding the best rate as a Florida Homeowner V.W. Gould Agency represents some of the most competitive companies in the state. As an independent Home insurance agency in Florida we are able to shop and compare rates which benefits you as a Florida Homeowner. It’s as easy as filling out an online quote or calling us today to speak with a home insurance representative. If you are looking for the best home insurance in DeLand we can assist you. We serve all of central Florida and are ready to assist you in finding the best home insurance rate possible. V.W. Gould Agency, offering the best Florida homeowners insurance through A-rated companies.

It is important to note the difference between home insurance and flood insurance

Many homeowners find that creating a home inventory can be useful

Serving Florida Homeowners insurance to DeLand, Daytona Beach, Deltona, Orange City, DeBary, New Smyrna, DeLeon Springs, Ormond Beach, Ponce Inlet, Port Orange, Pierson, DeLeon Springs, Orlando, Sanford, St Augustine, Volusia County, Flagler County, Seminole County and Orange Counties. Serving all of Central Florida