Owning a home is important. Protecting your home is more important. You spend countless hours working on your home to make it as comfortable as possible to suit your needs and wants. Why not be sure that your home is protected against fires and other disasters? Homeowners insurance should be individualized for your benefit in the event of a loss. Different policies have different limits based on your individualized preferences.
The right amount of coverage for your home is one of the most important decisions you make when purchasing a home insurance policy.
ENG Insurance offers home insurance
and flood insurance across Miami,
Broward and all of South Florida.
Whether you’re a new homeowner or an existing homeowner scouting for better rates, our experienced agents will assist you with finding the correct coverage and rate that best fits your needs. Our agents will also facilitate in binding your new policy and communicating with your mortgage company or closing agent the necessary information to make the process a smooth transaction.
What We Can Provide For Your Home
Our Agency Offers the Following Insurance Coverage
What Is Homeowners Insurance?
Homeowners insurance covers your home and the contents of the home in the event of theft or a natural disaster. Such natural disasters are but are not limited to fire, windstorm, hail, lightning, smoke, explosion, vandalism and vehicle collisions. This type of policy is for properties that the owner is occupying. This type of policy does NOT cover flood insurance. A separate policy is needed for Flood Insurance if you live in a flood zone. More information on flood insurance can be found below. In addition to property and personal damage, a homeowners insurance policy also covers liability in the event someone becomes injured on or around your property. Each policy has limits and our agents will assist you in setting the limits that best suit your needs.
What Exactly is Apartment Building Insurance?
Apartment Building Insurance is for apartment building owners. This type of policy provides basic coverage from catastrophic events such as fire, storms, theft, vandalism, loss of rental income, and many other unfortunate events.
What’s Condo Insurance and What Does It Cover?
Condo insurance is also known as a HO-6 policy. This policy is similar to a homeowners insurance policy but is specified for a condominium. This policy covers property damage and liability risks for condo owners inside the condo only. Condo insurance covers protection for damages to interior walls, floors and ceilings. Typically, it also covers damages from fire, theft, vandalism and smoke damage.
What’s Covered Under a Rental Property Policy?
Many people think that Rental Property Insurance and Renter’s insurance are the same. Please be aware they are not. Rental Property Insurance covers the landlord’s property and excludes the tenant and their personal property. Renter’s Insurance covers the tenant’s personal items and provides liability coverage in the event of that someone is injured on or around the property and the tenant is found liable for the injury.
What Is Flood Insurance?
Floods can be a result of torrential downpours that cause water to rise. Although a flood can occur anywhere, some areas are at a greater risk than others. Federally regulated lenders are legally required to have the homeowner(s) who live in a high-risk flood area to buy a flood insurance policy. Please be aware this a separate policy.
Why Choose ENG Insurance?
Our professional agents will work with you to guide you to find the best coverage for your home and assets while keeping a cost-effective plan in mind. Being insured with the appropriate coverage is important and it deserves great quality of protection and care.
We service the following cities and surrounding areas:
- Cooper City
- Ft. Lauderdale
- Pembroke Pines
- Coral Springs
- Miami Lakes
- North Miami
- Coral Gables
- Hialeah Gardens
- Miami Springs
- Palmetto Bay
- West Kendall
Get A Quote
Complete the form below to receive a quote from our agents to help tailor a policy that suits your needs.
Contact us & Get A Free Quote Today.
We make sure that your insurance needs are covered for today and in the future.