Homeowners Insurance
Coverage designed for an eligible owner occupied home, subject to the policy form, carrier and underwriting.
◉ HOME & PROPERTY INSURANCE
Home & Property Insurance Built Around Your Property
The right coverage depends on the property, how it is used and where it is located. RAMCO helps homeowners, condo owners, renters and landlords explore property insurance options in Florida and Texas.
FLORIDA + TEXAS PROPERTY INSURANCE
Start with the property and how it is actually used.
RAMCO’s licensed agents can explain available coverage, compare options from multiple carriers and help you understand the protection that may fit your property. Availability, forms and underwriting requirements vary by state, carrier and individual risk.
RESIDENTIAL INSURANCE
One property can have very different insurance needs.
The useful starting point is the property type, occupancy, condition and exposures rather than a generic label.
Condo Insurance
Coverage for eligible unit-owner property, improvements, liability and other exposures while the association master policy handles separate building interests.
Renters Insurance
Protection for eligible personal property, liability and additional living expense exposures for renters.
Landlord Insurance
Property coverage structures commonly used for eligible non-owner-occupied or rental dwellings.
Flood Insurance
Flood coverage is generally handled separately from a standard homeowners policy and should be reviewed based on the property and flood exposure.
Explore Flood Insurance →Personal Liability Coverage
Home and renters policies can include personal liability protection for eligible claims, subject to the policy limits, terms and exclusions.
UNDERWRITING DETAILS
The facts that can change the conversation.
Property underwriting can be detailed in both Florida and Texas. These are common items a producer may review before comparing available markets.
- Occupancy and property type
- Year built, construction and major updates
- Roof age, condition and material
- Wind mitigation or other available inspections
- Prior losses and claims history
- Mortgage, association and flood related considerations
FLORIDA + TEXAS
Property insurance guidance in both states.
RAMCO helps customers in Florida and Texas review available home and property insurance options with personal guidance in English or Spanish.
FAQ
Home and property insurance questions
What does homeowners insurance typically cover?
Depending on the policy, homeowners insurance can include dwelling, other structures, personal property, liability and additional living expense coverage. Limits, deductibles, conditions and exclusions apply.
Is flood insurance included in homeowners insurance?
Flood damage is generally not covered by a standard homeowners policy and may require separate flood insurance.
What information do I need for a home insurance quote?
Common details include the address, year built, construction, roof, major system updates, occupancy, prior claims, current insurance, mortgage information and available inspections.
Does RAMCO offer property insurance in Florida and Texas?
RAMCO serves customers in Florida and Texas. Carrier availability, forms and underwriting requirements vary by state and individual property.
Can RAMCO help insure a rental property?
RAMCO can review eligible landlord and rental dwelling options based on occupancy, property details, location and available carrier appetite.
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.