[cs_content][cs_section bg_image=”https://weinsuregroupmiami.com/wp-content/uploads/2018/06/coral-gables-home-compress.jpg” bg_color=”#ffffff” parallax=”false” separator_top_type=”none” separator_top_height=”50px” separator_top_inset=”0px” separator_top_angle_point=”50″ separator_bottom_type=”none” separator_bottom_height=”50px” separator_bottom_inset=”0px” separator_bottom_angle_point=”50″ style=”margin: 0px;padding: 35px 0px;”][cs_row inner_container=”true” marginless_columns=”false” style=”margin: 0px auto;padding: 0px;”][cs_column fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”750″ type=”1/2″ style=”padding: 0px;”][x_gap size=”10px”][/cs_column][cs_column bg_color=”hsla(0, 0%, 100%, 0.9)” fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”750″ type=”1/2″ class=”cs-ta-left” style=”padding: 10px 30px 27px;”][x_custom_headline level=”h1″ looks_like=”h4″ accent=”false” class=”cs-ta-center”]HOMEOWNERS INSURANCE QUOTES[/x_custom_headline][cs_icon_list style=”padding-left: 24%;”][cs_icon_list_item title=”Same day quotes” type=”clock-o” link_enabled=”false” link_url=”#” link_new_tab=”false”]Same day quotes[/cs_icon_list_item][cs_icon_list_item title=”Plans to fit your needs” type=”home” link_enabled=”false” link_url=”#” link_new_tab=”false”]Plans to fit your needs[/cs_icon_list_item][cs_icon_list_item title=”Top-rated carriers” type=”signal” link_enabled=”false” link_url=”#” link_new_tab=”false”]Top-rated carriers[/cs_icon_list_item][/cs_icon_list][x_creative_cta padding=”10px 5px 10px 5px” text=”Get a quote!” font_size=”36px” image=”https://weinsuregroupmiami.com/wp-content/uploads/2016/11/we-insure-group-miami-logo.png” image_width=”140px” animation=”slide-top” link=”#” color=”” bg_color=”#ff6000″ bg_color_hover=”#012075″ class=”homequote2″][/cs_column][/cs_row][/cs_section][cs_section parallax=”false” separator_top_type=”none” separator_top_height=”50px” separator_top_inset=”0px” separator_top_angle_point=”50″ separator_bottom_type=”none” separator_bottom_height=”50px” separator_bottom_inset=”0px” separator_bottom_angle_point=”50″ style=”margin: 0px;padding: 25px 0px 0px;”][cs_row inner_container=”true” marginless_columns=”false” style=”margin: 0px auto;padding: 0px;”][cs_column fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”750″ type=”1/1″ class=”cs-ta-left” style=”padding: 0px 30px;”][cs_text class=”cs-ta-justify”]For most people, your home is the most important asset you will own in your lifetime. Ensuring it’s insured properly, is the most important job I do as your agent.

I personally work on every homeowners insurance quotes that comes to my office and take pride in helping my customers understand the difference in coverage and how they can save money by enhancing their Wind Mitigation and/or 4 Point Inspection Reports. Call today if you are looking for a professional assessment of your homeowners insurance.[/cs_text][x_line style=”border-top-width: 1px;”][/cs_column][/cs_row][/cs_section][cs_section parallax=”false” separator_top_type=”none” separator_top_height=”50px” separator_top_inset=”0px” separator_top_angle_point=”50″ separator_bottom_type=”none” separator_bottom_height=”50px” separator_bottom_inset=”0px” separator_bottom_angle_point=”50″ style=”margin: 0px;padding: 0px;”][cs_row inner_container=”true” marginless_columns=”false” style=”margin: 0px auto;padding: 0px;”][cs_column fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”1450″ type=”1/1″ style=”padding: 0px 0px 10px;”][cs_text]

Contents Valuations

[/cs_text][cs_text class=”cs-ta-center”]

Replacement Cost  Vs. Actual Cash Value:

[/cs_text][/cs_column][/cs_row][/cs_section][cs_section parallax=”false” separator_top_type=”none” separator_top_height=”50px” separator_top_inset=”0px” separator_top_angle_point=”50″ separator_bottom_type=”none” separator_bottom_height=”50px” separator_bottom_inset=”0px” separator_bottom_angle_point=”50″ style=”margin: 0px;padding: 15px 0px 35px;”][cs_row inner_container=”true” marginless_columns=”false” style=”margin: 0px auto;padding: 0px;”][cs_column fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”1450″ type=”2/3″ style=”padding: 0px 0px 10px;”][cs_text class=”cs-ta-justify”]90% of customers have no idea how their contents are covered. When I review their policies, most are insured using actual cash value versus replacement cost.

Do you know the difference?

As your agent, it is my responsibility to explain these two coverage options, so you the homeowner, can make the best decision for your family.

Just presenting the least expensive coverage may not be the best option for your home insurance needs.[/cs_text][/cs_column][cs_column fade=”false” fade_animation=”in-from-right” fade_animation_offset=”45px” fade_duration=”750″ type=”1/3″ class=”cs-ta-left” style=”padding: 0px 2% 0px 0px;”][x_image type=”none” src=”https://weinsuregroupmiami.com/wp-content/uploads/2018/06/content-valuation.jpg” alt=”homeowners insurance quotes over the phone ” link=”false” href=”#” title=”” target=”” info=”none” info_place=”top” info_trigger=”hover” info_content=””][x_creative_cta padding=”25px 25px 25px 25px” text=”Click here<br>to learn<br>about Contents Valuations!” font_size=”36px” icon=”dollar” icon_size=”48px” animation=”slide-top” link=”http://weinsuregroupmiami.com/contents-valuations” color=”#ff6000″ bg_color=”#012075″ bg_color_hover=”#ff6000″ style=”font-weight: bold;”][/cs_column][/cs_row][/cs_section][cs_section bg_color=”#012070″ parallax=”false” separator_top_type=”none” separator_top_height=”50px” separator_top_inset=”0px” separator_top_angle_point=”50″ separator_bottom_type=”none” separator_bottom_height=”50px” separator_bottom_inset=”0px” separator_bottom_angle_point=”50″ style=”margin: 0px;padding: 20px 0px 40px;”][cs_row inner_container=”true” marginless_columns=”false” style=”margin: 0px auto;padding: 0px;”][cs_column fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”750″ type=”1/1″ style=”padding: 0px;”][x_custom_headline level=”h3″ looks_like=”h3″ accent=”false” class=”cs-ta-left”]Water Damage[/x_custom_headline][/cs_column][/cs_row][cs_row inner_container=”true” marginless_columns=”false” style=”margin: 0px auto;padding: 0px;”][cs_column fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”750″ type=”2/3″ style=”padding: 0px;”][cs_text _order=”0″]You may not realize it, but water damage is the most common reason people make claims on their home insurance policy. This is a common loss, especially for older homes at risk for bursting pipes and leaky appliances.

While most carriers provide coverage, some carriers exclude or limit coverage on homes older than 40 years.

Does your current homeowner insurance carrier exclude or limit coverage based on the age of your home?[/cs_text][/cs_column][cs_column fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”750″ type=”1/3″ style=”padding: 0px;”][x_image type=”none” src=”https://weinsuregroupmiami.com/wp-content/uploads/2015/11/water-damage-300×200.jpg” alt=”home in coral gables with water damage” link=”false” href=”#” title=”” target=”” info=”none” info_place=”top” info_trigger=”hover” info_content=”” style=”padding-top: 1%;”][x_creative_cta padding=”25px 25px 25px 25px” text=”Click here<br>to learn about Water Damage!” font_size=”36px” icon=”umbrella” icon_size=”48px” animation=”slide-top” link=”http://weinsuregroupmiami.com/water-damage” color=”#ff6000″ bg_color=”#ffffff” bg_color_hover=”#ff6000″ style=”font-weight: bold;”][/cs_column][/cs_row][/cs_section][cs_section parallax=”false” separator_top_type=”none” separator_top_height=”50px” separator_top_inset=”0px” separator_top_angle_point=”50″ separator_bottom_type=”none” separator_bottom_height=”50px” separator_bottom_inset=”0px” separator_bottom_angle_point=”50″ style=”margin: 0px;padding: 20px 0px 0px;”][cs_row inner_container=”true” marginless_columns=”false” style=”margin: 0px auto;padding: 0px;”][cs_column fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”750″ type=”1/1″ style=”padding: 0px;”][x_custom_headline level=”h3″ looks_like=”h3″ accent=”false” class=”cs-ta-left”]Wind Mitigation Reports[/x_custom_headline][/cs_column][/cs_row][cs_row inner_container=”true” marginless_columns=”false” style=”margin: 0px auto;padding: 0px;”][cs_column fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”1450″ type=”1/3″ style=”padding: 0px;”][x_image type=”none” src=”https://weinsuregroupmiami.com/wp-content/uploads/2015/10/Hurricane-Andrew.jpg” alt=”hurricane andrew over miami” link=”false” href=”#” title=”” target=”” info=”none” info_place=”top” info_trigger=”hover” info_content=””][x_creative_cta padding=”25px 25px 25px 25px” text=”Click here<br>to learn<br>about Wind Mitigation!” font_size=”36px” icon=”lightbulb-o” icon_size=”48px” animation=”slide-top” link=”http://weinsuregroupmiami.com/what-is-wind-mitigation” color=”#ff6000″ bg_color=”#012075″ bg_color_hover=”#ff6000″ style=”font-weight: bold;”][/cs_column][cs_column fade=”false” fade_animation=”in-from-right” fade_animation_offset=”45px” fade_duration=”750″ type=”2/3″ class=”cs-ta-left” style=”padding: 0px 0px 0px 5%;”][cs_text class=”cs-ta-left”]This report is very important in reducing the premiums on your home insurance policy.

Many homeowners associate impact windows or shutter protection as the only credit available to help reduce their home insurance premiums. This is not true. Your home may qualify for five additional wind credits.

Has your agent explained these credits and how you may reduce your premiums by making minor changes to your home?

“I have many customers who assume they were receiving hurricane protection credits because they installed shutters and impact windows. When reviewing the mitigation report with them, it is discovered that one door or window is not properly labeled or protected resulting in the entire home not receiving the “Opening Protection” credit. In most cases, it is an investment of a few hundred dollars in order to receive thousands of dollars in discounts. Let’s review your mitigation report to see if you qualify for credits.“ [/cs_text][/cs_column][/cs_row][/cs_section][cs_section bg_color=”#012070″ parallax=”true” separator_top_type=”none” separator_top_height=”50px” separator_top_inset=”0px” separator_top_angle_point=”50″ separator_bottom_type=”none” separator_bottom_height=”50px” separator_bottom_inset=”0px” separator_bottom_angle_point=”50″ style=”margin: 0px;padding: 20px 0px;”][cs_row inner_container=”true” marginless_columns=”false” style=”margin: 0px auto;padding: 0px;”][cs_column bg_color=”#012070″ fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”750″ type=”1/1″ style=”padding: 0px;”][x_custom_headline level=”h3″ looks_like=”h3″ accent=”false” class=”cs-ta-left”]4 Point Inspection[/x_custom_headline][/cs_column][/cs_row][cs_row inner_container=”true” marginless_columns=”false” style=”margin: 0px auto;padding: 0px;”][cs_column fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”750″ type=”2/3″ style=”padding: 0px;”][cs_text _order=”0″ class=”cs-ta-justify”]Not to be confused with a home inspection report home buyers order when purchasing a home, the 4 Point inspection is required to verify any updates to your roof, electrical, plumbing and air conditioning systems.

The report is generally required by many carriers on homes that are over 30 years old, with each insurance carrier providing their own guidelines as to what they will insure.

I will help guide you to the proper insurance carrier.[/cs_text][/cs_column][cs_column fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”750″ type=”1/3″ style=”padding: 0px;”][x_image type=”none” src=”https://weinsuregroupmiami.com/wp-content/uploads/2018/06/4-point-insurance-report-compress.jpg” alt=”4 point inspection by insurance agent on top of roof” link=”false” href=”#” title=”” target=”” info=”none” info_place=”top” info_trigger=”hover” info_content=”” style=”margin-bottom: 20px;”][/cs_column][/cs_row][/cs_section][cs_section parallax=”true” separator_top_type=”none” separator_top_height=”50px” separator_top_inset=”0px” separator_top_angle_point=”50″ separator_bottom_type=”none” separator_bottom_height=”50px” separator_bottom_inset=”0px” separator_bottom_angle_point=”50″ style=”margin: 0px;padding: 20px 0px 0px;”][cs_row inner_container=”true” marginless_columns=”false” style=”margin: 0px auto;padding: 0px;”][cs_column fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”750″ type=”1/1″ style=”padding: 0px;”][x_custom_headline level=”h3″ looks_like=”h3″ accent=”false” class=”cs-ta-left”]Liability Coverage[/x_custom_headline][/cs_column][/cs_row][cs_row inner_container=”true” marginless_columns=”false” style=”margin: 0px auto;padding: 0px;”][cs_column bg_color=”#ffffff” fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”750″ type=”2/3″ style=”padding: 0px;”][cs_text class=”cs-ta-left”]Even if you`re the most careful homeowner, you may find yourself facing an unforeseen financial loss as a result of an unexpected accident to a visitor of your home.

If a diner guest slips and falls or a repairmen is injured while working on your home, you may not only be held liable for their bodily injury but also their lost wages if they are unable to return to work.

Paying these monetary settlements are not your only concern. What about the financial expense of hiring an attorney? Even if you are not liable, this can be costly.[/cs_text][/cs_column][cs_column bg_color=”#012070″ fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”750″ type=”1/3″ style=”padding: 25px 15px 0px;”][cs_text class=”cs-ta-center”]For as little as $25 per year, you can increase your liability coverage from $100,000 to $300,000. Many homeowners are surprised it costs so little for this added benefit.[/cs_text][/cs_column][/cs_row][cs_row inner_container=”true” marginless_columns=”false” style=”margin: 0px auto;padding: 0px;”][cs_column fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”750″ type=”1/1″ style=”padding: 0px;”][cs_text]As a homeowner, if costs exceed your liability limits, you`ll be financially responsible for the difference.

I always recommend a minimum $300,000 liability protection for all homeowners.[/cs_text][/cs_column][/cs_row][/cs_section][cs_section parallax=”true” separator_top_type=”none” separator_top_height=”50px” separator_top_inset=”0px” separator_top_angle_point=”50″ separator_bottom_type=”none” separator_bottom_height=”50px” separator_bottom_inset=”0px” separator_bottom_angle_point=”50″ style=”margin: 0px;padding: 15px 0px;”][cs_row inner_container=”true” marginless_columns=”false” style=”margin: 0px auto;padding: 0px;”][cs_column bg_color=”#ffffff” fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”750″ type=”1/1″ style=”padding: 0px;”][x_line style=”border-top-width: 1px;”][x_custom_headline level=”h3″ looks_like=”h3″ accent=”false” class=”cs-ta-center”]Ordinance and Law Coverage[/x_custom_headline][cs_text class=”cs-ta-left”]This coverage is important, especially if you live in an older home. If you incur a partial loss, you may not be able to repair unless the entire home meets the updated local ordinance building codes.

Your carrier will not pay to repair or demolish the undamaged portion of home in order to meet the updated ordinance codes.[/cs_text][/cs_column][/cs_row][/cs_section][cs_section bg_color=”#111672″ parallax=”false” separator_top_type=”none” separator_top_height=”50px” separator_top_inset=”0px” separator_top_angle_point=”50″ separator_bottom_type=”none” separator_bottom_height=”50px” separator_bottom_inset=”0px” separator_bottom_angle_point=”50″ style=”margin: 0px;padding: 0px;”][cs_row inner_container=”false” marginless_columns=”false” style=”margin: 0px auto;padding: 0px;”][cs_column fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”750″ type=”2/3″ class=”cs-ta-left” style=”padding: 20px 0px 25px 2%;”][x_feature_headline level=”h2″ looks_like=”h2″ icon=”lightbulb-o” class=”cs-ta-left”]Do you know the difference between insurance company rating agencies? [/x_feature_headline][/cs_column][cs_column fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”750″ type=”1/3″ style=”padding: 45px 2% 15px 15px;”][cs_text]Most Florida insurance companies carry either a Demotech or AM Best & Co. rating. Do you know your insurance carriers rating? And why is this important?[/cs_text][/cs_column][/cs_row][/cs_section][cs_section parallax=”false” separator_top_type=”none” separator_top_height=”50px” separator_top_inset=”0px” separator_top_angle_point=”50″ separator_bottom_type=”none” separator_bottom_height=”50px” separator_bottom_inset=”0px” separator_bottom_angle_point=”50″ style=”margin: 0px;padding: 0px;”][cs_row inner_container=”false” marginless_columns=”true” style=”margin: 0px auto;padding: 0px;”][cs_column fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”750″ type=”1/1″ style=”padding: 0px;”][x_creative_cta padding=”25px 25px 25px 25px” text=”<em>Ask me about them.</em>” font_size=”48px” icon=”arrow-right” icon_size=”48px” animation=”slide-right” link=”/contact-us/” color=”#ffffff” bg_color=”#ff6000″ bg_color_hover=”#ff6000″ class=”quote”][/cs_column][/cs_row][/cs_section][cs_section bg_image=”https://weinsuregroupmiami.com/wp-content/uploads/2018/06/we-insure-contact-bg-compress.jpg” parallax=”false” separator_top_type=”none” separator_top_height=”50px” separator_top_inset=”0px” separator_top_angle_point=”50″ separator_bottom_type=”none” separator_bottom_height=”50px” separator_bottom_inset=”0px” separator_bottom_angle_point=”50″ style=”margin: 0px;padding: 20px 0px 30px;”][cs_row inner_container=”true” marginless_columns=”false” style=”margin: 0px auto;padding: 0px;”][cs_column fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”750″ type=”1/2″ style=”padding: 15px 0px 0px;”][x_map no_container=”false”][/x_map][/cs_column][cs_column fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”750″ type=”1/3″ style=”padding: 0px;”][x_custom_headline level=”h4″ looks_like=”h4″ accent=”false”]Find Us.[/x_custom_headline][cs_text]1550 Madruga Ave #330
Coral Gables, FL 33146[/cs_text][x_custom_headline level=”h4″ looks_like=”h4″ accent=”false”]Call Us.[/x_custom_headline][cs_text](786) 801-3514[/cs_text][x_custom_headline level=”h4″ looks_like=”h4″ accent=”false”]Email Us.[/x_custom_headline][cs_text style=”margin-bottom: -15px;”]info@weinsuregroupmiami.com[/cs_text][/cs_column][cs_column fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”750″ type=”1/6″ style=”padding: 0px;”][x_gap size=”50px”][/cs_column][/cs_row][/cs_section][/cs_content]