Homeowners
Coverage designed for an owner occupied home, subject to the form, carrier and underwriting.
◉ HOME & PROPERTY
Start with the property. Then build around how it’s actually used.
Ownership, occupancy, condition and requirements shape the right starting point.
RESIDENTIAL INSURANCE
One property can have very different insurance needs.
The right starting point is the occupancy, property type and condition, not a generic homeowners label.
Condo
Coverage for the unit owner’s property, improvements, liability and other eligible exposures while the association master policy handles separate building interests.
Renters
Protection for eligible personal property, liability and additional living expense exposures for renters.
Landlord / dwelling fire
Property coverage structures commonly used for eligible non owner occupied or rental dwellings.
Flood
Flood coverage is handled separately from a standard homeowners policy in many situations.
Explore flood →UNDERWRITING DETAILS
The facts that can change the conversation.
Florida property underwriting can be detailed. These are common items a producer may review before choosing markets.
- Occupancy and property type
- Year built, construction and major updates
- Roof age, condition and material
- Wind mitigation features and available inspections
- Prior losses and claims history
- Mortgage, condo association and flood related considerations
TALK TO RAMCO
Let’s review the property before you assume what fits.
A licensed producer can help determine which forms and markets are worth exploring.