Homeowners

Protect your Florida home with homeowners insurance TODAY!!!

Home, it’s your safe haven. It’s where you raise your family and create memories that last a lifetime. Whether you’re buying insurance for your first home, or your dream home, Forerunner Insurance Group can help you protect this prized possession with a homeowners insurance policy that fits your priorities and your budget.

Homeowners insurance provides comprehensive coverage.

Homeowner policies can provide coverage for:

  • Damage to your home’s physical structure (Dwelling coverage)
  • Damage to other structures like a garage or shed (Other Structures coverage)
  • Your personal belongings – whether in your home or elsewhere (Personal Property coverage)
  • Additional living expenses if necessary in the event of a covered loss (Loss of Use coverage)
  • Your personal liability in the event someone is injured or their property is damaged by you or a family member (Liability coverage)
  • Extra coverage for valuable items (for additional premium)

NOT ALL HOME STRUCTURES ARE INSURED THE SAME SO THAT A DIFFERENT POLICY IS REQUIRED FOR EACH TYPE OF STRUCTURE:

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Dump Truck Insurance is specialty insurance that covers trucking companies using dump trucks for the transport of dirt, sand, gravel, rock, asphalt, and other loose materials used in construction, road work, quarries, fracking, mining, etc.

Box truck insurance is a commercial auto insurance policy that provides liability coverage but can also provide collision and comprehensive coverage — or be bundled with other coverages to provide insurance for cargo and more.

Flatbed Truck Insurance policy contains these coverages: Comprehensive – protects your tractor and flatbed trailer against fire, theft, vandalism and other causes of loss. Collision – protects your equipment in an event of roll over, impact with other vehicle or stationary object.

Flatbed Insurance Coverages. Liability Coverage – Required coverage. Physical Damage – Pays for damage done to your flatbed hauler caused by a collision—usually another motorist. Flatbed Cargo Insurance – Covers damage done to freight hauled.

Refrigerated Truck Insurance commonly comes with “reefer insurance” or “reefer breakdown insurance.” It’s a type of coverage that protects against spoiled refrigerated cargo due to a breakdown in the refrigeration unit.

Finding comprehensive insurance coverage for Flatbed Trucks at a competitive price is difficult.

At Forerunner Insurance Group we do the hard work for you to find you the best possible coverage for the best rates.

A Home’s structure is covered along with sheds and detached garages (with limitations).

A Condo/Condominium Unit owners policy typically covers interior structures like wallboard covering, lighting fixtures, cabinets and flooring to name a few building type items. Depending on your association by-laws, external walls should be covered by the Association.

A Rental Home’s entire structure is covered along with sheds and detached garages(with limitations) but usually does not offer contents coverage unless you rent it furnished then you usually can add contents for additional premium.

A Manufactured/Mobile Home’s entire structure is usually covered, while sheds and garages may require an optional policy or endorsement.

A Renters policy generally has no physical structure coverage at all, but it does provide essential liability and contents coverage.