Home Insurance

The Canopy Insurance Agency has partnered with over 15 top rated insurance companies writing coverage in Florida for primary homes, secondary and seasonal homes, condo units, as well as property you own and rent to others. We are committed to providing full transparency when quoting your home and can explain the differences in companies and coverage so you can make an educated decision. You will get the coverage you need at a price that fits your budget. We will make sure you get ALL your discounts.

We offer 3 AM Best Rated Companies-American Strategic, Bankers and Safeway. We also offer American Integrity, Florida Peninsula, Federated National, Olympus, Safe Harbor as well as 8 other companies to shop for you.

Request a quote:

  1. Click here to download our Home Owner Questionnaire Please complete, print & email with a copy of:
    a.) your current policy papers
    b.) your wind mitigation report
    c.) your alarm monitoring for a discount
    d.) non renewal if applicable so we can shop for you

Coverages:

Dwelling Coverage: Provides funds to replace or repair the structure when damage is caused by a covered peril

Replacement Cost: To replace with like kind and quality.

Actual Cash Value: Replacement cost less depreciation.

Dwelling Extension: Provides coverage for damage caused by covered perils to structures separate from the main dwelling.  Examples include detached garage or sheds.

Personal Property Coverage: May pay to replace the personal contents of your home that are not permanent parts of the dwelling.  Coverage only applies in conjunction with a loss caused by a covered peril.

Loss of use: This coverage can provide financial assistance to you while your home is being repaired and is unlivable as a result of a covered loss.

Personal Liability: May protect you, your spouse, and resident relatives under age 21 for claims youre legally obligated to pay resulting from things such as injury, sickness, disease, and death.  The coverage may also include the cost of defending claims against you.

Medical Expense: May pay for non-residents injuries that you are legally responsible for.

 

Endorsements::

Animal Liability:This coverage pays for bodily injury, medical expenses, lost wages or property damage claims you are legally obligated to pay due to animal ownership. 4.7 million dog bites happen every year making dog-related damage one of the biggest causes of homeowners insurance claims.

Back up of Septic and Sewer: This coverage pays for the cost to clean up, sanitize and disinfect, repair or replace any building property damaged due to the back up of septic or sewer whether due to blockage in your drains or downspouts or too much ground water that overloads your drainage system.

Building Code Ordinances or Law: This coverage will pay for increased costs you incur due to enforcement of any ordinance or law which requires demolition, renovation or repair of any undamaged building property.

Earthquake Endorsement: This covers property damage not only earthquakes, but volcanic eruptions, landslides or any other type of earth movement.

Home Business Endorsement: Many people operate a business from their home. The standard policy has a limit of $2,500 for business property and legal liability for the business is specifically excluded.

Increased Liability: This coverage increases the amount of coverage for claims youre legally obligated to pay resulting from things such as injury, sickness, disease, and death.

Inflation Coverage: This coverage annually increases the coverage on your home to keep up with inflation.

Loss Assessment: This coverage pays for your share of the covered loss assessments for building property or liability.

Mold: This coverage pays up to the limits you select for the cost to remove and replace any part of the building to remove, gain access, or test for mold.

Sinkhole Coverage: May pay to replace the personal contents of your home that are not permanent parts of the dwelling. Coverage only applies in conjunction with a loss caused by a covered peril.

 

Discounts:

Monitored Fire & Burglary alarms
Roof Shape
Newer Home
Construction Type
Hurricane Shutters/Impact Glass
Multiple policies with company