Home Insurance

GoldenTrust Insurance offers Florida home insurance policies that protect both the structure of the home and the personal belongings inside. These policies can also include liability coverage and medical expenses in the event of injuries or legal problems occurring on the property.

What Does This Insurance Cover?

Dwelling Coverage

Protects the overall structure of the house, including the roof and walls.

Personal Property Coverage

Safeguards personal belongings inside the home, such as furniture and appliances, even if they're damaged or stolen outside the house.

Other Structures Coverage

Covers structures on your property separate from the main house, like detached garages, sheds, or workshops.

Liability Protection

Offers defense and protection if someone is injured on your property or if you cause damage to someone else's property.

Living Expense Coverage

Covers additional living expenses if you need to temporarily relocate due to repairs or rebuilding after a covered loss—including rent, hotel stays, and meals.

What Is Not Covered?

Flood Damage

Floods are not typically covered. We recommend purchasing a separate flood insurance policy.

Earthquake Damage

Earthquake damage is generally excluded and requires a separate policy.

Maintenance Issues

Clarify that maintenance issues are considered homeowner responsibility.

Key Benefits

Comprehensive Protection

Coverage extends from the dwelling itself to personal belongings and liability.

Customizable Add-Ons

Options to add protections like identity theft coverage and increased replacement cost on dwelling

Expert Guidance

Agents assist in determining the appropriate coverage based on your home's replacement cost

FAQs

Is home insurance mandatory in Florida?

While not legally required, mortgage lenders typically mandate home insurance to protect their investment.

How is the coverage amount determined?

It's based on the replacement cost of your home, i.e., the amount needed to rebuild it in case of total loss.

Can I get discounts on my home insurance policy?

Yes, GoldenTrust Insurance works with multiple carriers to find the best coverage at the best price, potentially offering discounts based on various factors.