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  • PROTECTING YOUR MOST IMPORTANT ASSET.
    HOME INSURANCE COVERAGE.
    Homeowner Insurance Quote
    []
    1 Step 1
    Homeowner Quick Quote
    First Name* (required)
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    Last Name* (required)
    account_circle
    DOB of Applicantyour full name
    Email* (required)a valid email
    email
    Best Phone 000-000-0000
    phone
    Address for Quote
    adjust
    Zip Code* (required)
    adjust
    Sq. Footage?
    Year built?
    Yr Purchased?
    Yr roof replaced?

    Do you have hurricane protection for windows/door?

    (Shutters, Impact Windows, Other?)

    List Hurricane Protection?your full name
    Do any of the below apply?(check all that apply)
    Current insurance Carrier?
    Current policy Expiration date?
    Current Coverage A / Dwelling Coverage on your policy? (ex: $300,000)
    Any losses in the past 3 years?pick one!
    Current All Other Perils Deductible? (Common: $1,000; $2,500, $5,000)
    Current Hurricane / Named Storm Deductible? (Common: $500, $1,000, 2%, 5%)
    Any other special / additional coverage or pertinent information

    To help expedite your insurance quote please provide copies of your documents

    (Current Insurance dec page)

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Home Insurance

Thank you for visiting the Agency 54 Insurance website for your home insurance needs.  As an independent agent we have aligned our agency with multiple carriers to offer you the best value for your money when it comes to your homeowners insurance.

Agency 54 Insurance prides itself as an advocate for you, the homeowner.  We work to help you understand which coverage’s you need, who the appropriate carrier-partner for you is, whether you are paying a competitive rate; and what you can expect should you need to file a claim. 

For most, buying a home is one of the biggest investments you will make.  Finding the right homeowners insurance to protect that investment isn’t a luxury, it’s a necessity and it should not be taken lightly.

Homeowners insurance is a package policy; this means that it covers both damage to property and liability or legal responsibility for any injuries and property damage policy holders or their families cause two other people.

Understanding Homeowners Insurance Coverage:

Understanding the different coverage’s and which ones are right for you is not always easy.  You must take into consideration these three questions:

  • Is the company I am insured with strong enough financially to stay solvent in a major crisis? (Think multiple hurricanes in one season)

  • Should I need to file a claim, will I be able to contact my company easily, have the damage assessed quickly and be compensated to move forward as soon as possible?

  • Is the company I am using competitive with their premiums?

Like what you see? Request a quote now!

Homeowner Insurance Quote
[]
1 Step 1
Homeowner Quick Quote
First Name* (required)
account_circle
Last Name* (required)
account_circle
DOB of Applicantyour full name
Email* (required)a valid email
email
Best Phone 000-000-0000
phone
Address for Quote
adjust
Zip Code* (required)
adjust
Sq. Footage?
Year built?
Yr Purchased?
Yr roof replaced?

Do you have hurricane protection for windows/door?

(Shutters, Impact Windows, Other?)

List Hurricane Protection?your full name
Do any of the below apply?(check all that apply)
Current insurance Carrier?
Current policy Expiration date?
Current Coverage A / Dwelling Coverage on your policy? (ex: $300,000)
Any losses in the past 3 years?pick one!
Current All Other Perils Deductible? (Common: $1,000; $2,500, $5,000)
Current Hurricane / Named Storm Deductible? (Common: $500, $1,000, 2%, 5%)
Any other special / additional coverage or pertinent information

To help expedite your insurance quote please provide copies of your documents

(Current Insurance dec page)

Fileupload
cloud_uploadUpload
keyboard_arrow_leftPrevious
Nextkeyboard_arrow_right

Homeowners Insurance Package Coverage Basics:

    • Coverage for the Structure of Your Home

    This is the part of a policy that pays to repair or rebuild a home if it is damaged or destroyed by one of the covered causes in the policy. Most policies also allocate a small percentage of this coverage to protect structures that are not attached to our house such as a garage, shed, or gazebo.

    • Coverage for Personal Belongings

    This coverage is for furniture, clothes, equipment and other personal items if they are stolen or destroyed by a covered cause. Most companies will provide coverage for 50% to 70% of the amount of insurance on the structure. Expensive items such as jewelry, firearms, and antiques are covered but there are usually dollar limits if they are stolen. To insure these items to their full value, individuals can purchase a special personal property floater and ensure them for it’s appraised value. Trees, plants, and shrubs are also covered under standard homeowners insurance generally up to about $500 per item.

    • Liability Protection

    Liability covers against lawsuits for bodily injury or property damage that policyholders or family members cause to other people. It also pays for damage caused by pets. This portion of the policy pays for both the cost of defending the policyholder in court and any court awards, up to the limit of the policy. Coverage is not just in the home but extends to anywhere in the world.

    • Additional Living Expenses

    This pays the additional cost of living away from home if your house is uninhabitable due to damage from a covered cause. It covers hotel bills, restaurant meals, and other living expenses incurred while the home is being repaired or rebuilt. Coverage for additional living expense differs from company to company.

START YOUR QUOTE TODAY!

Read more about homeowners insurance coverage!

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phone: 844-855-5454
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Testimonials

Facebook Rating
5.0
Agency 54 Insurance
Agency 54 Insurance
5.0
Chris Holtrop
Chris Holtrop
2017-11-17T03:30:52+0000
Troy Torchia
Troy Torchia
2017-05-17T00:47:57+0000
One call to Theresa Ursitti and within no time we had proof of insurance for the purchase of my daughters new car. Thanks to Chris Holtrop as well! Great service and team work! You won't be disappointed.
Steven Olesen
Steven Olesen
2017-05-09T22:01:32+0000
The entire team @ Agency 54 Insurance have provided my family and I with the most comprehensive insurance coverage thru asking a lot of questions so that we could purchase exactly what we desired for our family insurance needs. Caring PROFESSIONAL AND COURTEOUS GREAT SUPPORT and VALUE ����
John McLaughlin
John McLaughlin
2017-05-09T16:35:53+0000
Cynthia Anna Ramsey
Cynthia Anna Ramsey
2017-05-09T16:32:18+0000
Adam James
Adam James
2017-05-09T16:26:38+0000
Agency 54 Insurance delivers time and again on the very values that shape their culture. Not only are they people of integrity, but they invest much time into learning about your needs and how they can improve your insurance across all spectrums. They are professional, diligent, and extremely competent. I highly recommend them for all of your insurance needs!
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    • RV Insurance
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    • Homeowners
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    • Boat
    • Video
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