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Personal | All Safe Insurance

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Homeowner'sWe offer broad protection that you can trust, plus affordable rates, and outstanding service.
The Homeowners Insurance Policy offers protection for your dwelling, as well as your personal possessions and personal liability.
If something like fire makes your home uninhabitable, the Homeowner’s Insurance covers the increased costs of a place to live until you can move back in.
We can replace personal belongings at replacement value – not the depreciated value.
Homeowners insurance can help protect you in case of a liability lawsuit against you.
This could occur in a situation where you are held responsible for:
Injury to another person
Damage to another person’s property
This could apply whether the incident occurred within your residence or elsewhere.

What is a Flood?

Anywhere it rains, it can flood. A flood is a general and temporary condition where two or more acres of normally dry land or two or more properties are inundated by water or mudflow. Many conditions can result in a flood: hurricanes, broken levees, outdated or clogged drainage systems and rapid accumulation of rainfall.

Just because you haven’t experienced a flood in the past, doesn’t mean you won’t in the future. Flood risk isn’t just based on history, it’s also based on a number of factors: rainfall, river-flow and tidal-surge data, topography, flood-control measures, and changes due to building and development.

Flood-hazard maps have been created to show different degrees of risk for your community, which help determine the cost of flood insurance. The lower the degree of risk, the lower the flood insurance premium.

Floridians understand the serious damage that floods can do in. Even the small ones can often leave their mark of destruction. However, flood coverage can often be overlooked, since it’s not included in a standard homeowners policy. Often, Florida residents find out about this much too late.

At the All Safe Insurance , our agents work hard to find the flood policy you need to protect your home and property. We work with differents carriers in order to find the coverage that best fits your needs and budget.

We want you to be confident that our flood policy will come through for you to protect your property from water damage, sewer backup, and mildew resulting from floods. Besides paying for repairs to your building, our flood coverage also includes expenses to pay for your damaged contents.

At All Safe Insurance, we’re your flood insurance experts. To learn more, please contact us at any time, or simply fill out our free quote form!

See What Causes Flooding >>

BoatsA boatowners policy can insure you against most risks of owning and operating your boat, its motor and its trailer.

These risks may include:
Sinking
Fire
Storms
Theft
Capsizing
Stranding
Collision
Explosion

The property covered includes equipment permanently attached to the boat as well as:
Anchors
Oars
Electric trolling motors
Extra fuel tanks
Tools
Detachable canopies
Seat cushions
Life preservers
Skis and their tow ropes
Dinghies.

It can also protect you against liability lawsuits, should you injure someone with your boat or damage their property.

Liability coverage includes:
Watercraft liability coverage provides protection for legal liability because of an accident resulting from the ownership, maintenance, or use of your watercraft, including bodily injury, property damage and legal defense.
Watercraft medical payments coverage pays medical expenses up to the limits in the policy for you, your resident relatives and other occupants of the boat injured by an accident arising out of the ownership, maintenance, or use of the watercraft.

Additional coverages include those for:
Newly acquired watercraft covers your newly acquired watercraft for damage caused by an insured loss.
Reasonable repairs covers repairs incurred to protect covered property from further damage.
Emergency service pays up to $500 for reasonable costs that you incur resulting from specified emergency service to your boat, motor or boat trailer.
Wreck removal pays the reasonable expenses you incur for any attempted or actual raising, removal or destruction of the wreck of your watercraft when damage is caused by an insured loss and removal or destruction is required by law.

Make sure to ask your agent these questions:
Are my trailer and boating supplies covered?
Do I get discounts for completing boating safety courses? Which ones?
Am I covered for both inland and ocean boating?
Are there any unique exclusions or exceptions in my state/area?
Are younger operators covered?
Will I receive the actual cash value or replacement cost if my boat is totaled?
What payment options are available?



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