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Homeowners Insurance: Protection no matter where you call home 

From a cottage to a condominium, an old landmark to a newly built mansion, your home is a major investment and one of your most expensive possessions; you want to ensure that you protect it.  Purchasing homeowners insurance or condominium unit owners insurance is the answer.  Our knowledgeable Personal Lines Agents will assist you in this process and help you determine the amount of coverage you truly need. 

Most standard homeowners insurance policies will provide coverage for your structure, as well as most personal belongings inside, for the following:

* Fire and lightning

* Windstorm (including hurricanes) and hail

* Theft

* Explosion

* Vandalism or malicious mischief

* Smoke

* Ordinance or law

Home Insurance policies also provide Liability and Medical Payments coverage. 

There are limitations on jewelry, watches, furs, firearms, silverware and gold ware, fine arts, antiques or other items with intrinsic value.   You can insure these items with an endorsement to your homeowners insurance policy or by purchasing a separate Inland Marine policy.

Homeowners Insurance has specific exclusions for (but not limited to) flooding, water back up, power failure, neglect, war, nuclear hazard, power failure and intentional loss.  There may be an endorsement or separate policy available to insure these items. 

It is always recommended that you read your policy, so that you know your coverage in the event of a loss.   

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• Emergency Preparation
• Helpful Terms

Wallace Welch and Willingham Inc. offers Home Insurance across the nation and throughtout the State of Florida, including all the Tampa Bay Area, Hillsborough County, Pinellas County and Manatee County.

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