Homeowner's Insurance

Protecting your most important Investment, Your home.

At Nápoles Insurance Services, we believe your insurance provider should be there to look out for your best interests. We will not try to up-sell you on things you do not need.

Every policy is a custom product, but most homeowners’ insurance plans cover:

• Theft and vandalism
• Perils like fire and windstorms
• Legal action

Nápoles insurance Service will create the best coverage for your home.

Condos and Investment Rental Properties coverage.
In addition to covering your home, Nápoles Insurance Services also offers many solutions for condos and investment rental properties (also called dwelling fire insurance).

What is Umbrella Insurance? And Why?
Umbrella Insurance is extra liability insurance.  It is designed to help protect you from major claims and lawsuits and as a result it helps protect your assets.  It provides additional liability coverage above the limits of your homeowners, auto, and boat insurance policies.

Extra protection never hurts when you own something as valuable as your house.  If someone were to get seriously injured at your home and file a lawsuit, how would you cover the costs?

 

Renter's Insurance

 

Why you need Renter’s Insurance?

You may think “My landlord will cover me.”  And you would be Wrong!

Your landlord has insurance protection for the building, not for your personal items.

If a fire destroys your rented apartment, house, or condo, none of your possessions would be covered under your landlord’s building policy.

Renters insurance from Nápoles Insurance Services can make sure that you have the resources to replace your possessions.

Renter’s insurance covers all the things that were given to you or you had to purchase.  Plus, all the items you have obtained over the years.

Here is a list of items that you would have to replace in case of that fire.

Clothes - $4,000 /  Couch - $1,200 / TV - $1,500 / Bed - $2,000 /  Computer - $1,000 / Kitchen items - $650

This adds up to $10,350.  And this is just a partial list.  Could you afford this out of pocket?  

What about liability?

Liability insurance covers you for things that may happen in your home, damage caused by you or a pet.

Example 1:  If your dog bites someone, you will be financially responsible.  Will you be able pay for the medical, distress payments or Legal fees?

Example2:  You have a get to together at your home and one of your guests trips over a lamp cord and needs to go the hospital, would you be able to pay for it?

Loss of Use Coverage

Where would you live?  Back at your parent’s or a friend’s home?  Loss of use coverage provides money to be used for temporary housing.