Florida Home Insurance
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Your home is the usually the biggest purchase you will make and is your most valuable asset. If you have any damage, you need a Florida insurance agent that can help you find a company that fits your needs and able to settle your claims quickly. At Butler Insurance Services, we will help you find the right fit for your needs with providing quality service and affordable pricing.
DO YOU HAVE QUESTIONS ABOUT HOME INSURANCE?
Homeowner policies will differ on where you live, the valuables in the home and which coverages you choose. A homeowner insurance plan can cover you financially if you have a loss due to fire, theft or other events, in addition to the event if someone is injured on your property.
At Butler Insurance Services, we have the home insurance agents that can tailor a specific package to your needs and risks. We have access to many top rated companies to find you the best fit at a fair price. We can quickly compare rates to ensure you don't have any gaps in coverage down the road.
The 6 Coverage Categories on a Florida Homeowners Insurance Policy
1. Coverage A – Dwelling
The structure itself.
House, walls, roof, attached garage, etc.
This is the headline number everyone looks at.
2. Coverage B – Other Structures
Anything not attached to the home:
Detached garage, shed, fence, pool cage, driveway, pergola.
3. Coverage C – Personal Property
Your belongings.
Furniture, clothes, appliances, TVs, tools, etc.
(Yes—appliances count as Coverage C unless built-in.)
4. Coverage D – Loss of Use
Pays for temporary housing, food, and expenses if the home is unlivable after a covered loss.
5. Personal Liability
If you injure someone or damage their property, you're legally responsible.
6. Medical Payments to Others
Small, no-fault med coverage for someone hurt on your property.
Optional Add-Ons / Endorsements
Not part of the “core six,” but very important:
- Water backup
- Ordinance & law (in FL, usually 25% or 50%)
- Screen enclosure coverage
- Animal liability
- Jewelry / high-value items
- Golf cart liability
- Flood (separate policy)
- Sinkhole endorsements
So, contact us today at 386-202-6898 to find out more about home insurance in Deltona, Florida including the daytona, debary, deland, port orange, and sanford areas.
