Homeowners Insurance

With Homeowners Insurance by The Rivas Insurance Group,

 you get personalized coverage built to protect your home. It is standard to have coverage that is at least equal to the amount it would cost to rebuild your home with similar materials. Keep in mind that changing construction costs could affect those amounts. – Contact us. We will help!

Dwelling Coverage

Covers the physical structure of your home, like the walls and roof, also cover a structure that's attached to your home, like an attached garage. Typical homeowner’s insurance policies don't cover damage to your structure from things like flooding or earthquakes. However, they do help cover a wide variety of other losses, including:

Guest Medical Protection

This type of insurance helps covers medical expenses if one of your guests is accidentally injured on or around your property. Your policy can help you pay for things like:

  • X-rays
  • Surgical Procedures
  • Dental Work
  • Ambulance Rides
  • Hospital Stays

Personal Property Coverage

Covers the cost of replacement; belongings inside your home, like furniture and electronics, even if they are damaged or stolen outside the house.

Actual Cash Value Option - cost of replacing your belongings, considering the amount they've decreased in value over time.

Replacement cost option - cost of purchasing new belongings of the same kind and quality at the time of the claim.

Flood Coverage for your Homeowners Insurance

This is additional coverage that is not included on your homeowners insurance.

Florida provides protection from destruction and financial devastation caused by rising water.

For homeowners, having flood insurance can be the difference between relief and losing everything. Let us protect you the proper way.

Liability Protection

This Personal Liability portion of your policy defends and covers you against lawsuits for injury or property damage that you or your family members cause to other people on your property or you damage someone else's property.

House with Homeowners Insurance by Rivas Insurance Group