Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it. Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. Damage caused by most disasters is covered but there are exceptions. Other types of homeowners insurance you may purchase are rental dwelling, vacation home, condo, and farm coverages.
Flood insurance protects you against damage to your property caused by flooding. Your property policy does not cover damage from flood loss to any property resulting directly or indirectly from water or damage caused by water-borne material. Water and water-borne material damage includes, but is not limited to flood, surface water, tidal waves, overflow of body of water, spray from these whether or not driven by wind. Loss resulting from water or water-borne material damage is not covered even if other perils contributed directly or indirectly to cause the loss.
Boatowners insurance provides protection for you against a financial loss caused by owning or operating a boat or personal watercraft. Boatowners insurance is a package policy, which includes damage to your property and liability for injuries or property damage caused to other people.
Insurance designed for motorcycles, mopeds, ATVs, golf carts and other outdoor sports vehicles provides financial protections against a loss to your property. It also covers your liability or legal responsibility for any injuries or property damage you cause to other people.
A Personal Umbrella Policy is a low-cost insurance policy that provides excess liability coverage above and beyond the limits of the liability coverage on your personal auto, homeowners, boatowners, and recreational vehicle policies. This additional coverage pays after you have exhausted your primary coverage if you are sued for damages suffered by someone as a result of an accident, especially an unexpected catastrophic accident, involving your car, property, or recreational activities.
Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
We represent the industry’s top carriers and shop our clients’ coverage around to guarantee the best combination of coverage and affordability. We represent a variety of insurance companies which gives us the opportunity to present you with competitive quotes that cover your specific needs.
Copyright 2013. All rights reserved. Johnson & Fletcher Insurance Agency | 3225 NW 13th St, Gainesville, FL 32609 | (352) 373-4381
Insurance coverage cannot be bound or changed via submission of an online form, e-mail, voicemail or facsimile. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly with a licensed agent. Note; any proposal of insurance we may present to you will be based upon the values developed and exposures to loss disclosed to us on this online form/application and/or in communications with us. All coverages are subject to the terms, conditions, and exclusions of the actual policy issued.