Homeowners Insurance

Your home is safe when covered with Pronto. With our affordable home packages you’ll be able to sleep well knowing your home is covered. Get a quote today.

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Homeowners Insurance
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Rest easy knowing your home is covered


Life has its own stresses and you should be able to rest easy and let us take care of your home in case of a disaster. Our home packages will take care of all your needs so you can get on with life when things get in the way.

  • Homeowners Package
    • Protection for Your Home And Property

    • Hurricane, Hail and Wind Coverage

    • Replacement Cost of Dwelling

    • Residential Glass

    • Dog / Animal Liability

    • Optional Enhanced Coverage (La póliza se podrá endorsar para agregar cobertura de dichos peligros por una prima adicional.)

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  • What's Not Covered
    • Secondary/Seasonal/Vacation Properties without active utility service.

    • Dwelling with relevant business on premises.

    • Manufactured homes, modified manufactured homes or trailers, shell homes, Do-it-yourself or homemade homes

    • Dwelling in which the homeowner has no legal title to the land upon which it is located.

    • Swimming Pools without standard security or safety features.

    • Flat roofs

    • Wood burning stoves

    • Dwelling is on more than 10 acres

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  • Requirements to Purchase Homeowners Insurance
    • Owner Occupied Primary or Seasonal Residence.

    • Heat Source Thermostatically Controlled.

    • Smoke detectors are required on all homes.

    • Homes in average or better condition showing pride of ownership.

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Homeowners Package


Protection for Your Home And Property

Available 12 Month Policies

Includes

$600k protection for your home

40% of personal property contents

10%-20% (of Dwelling Value) for Coverage of An Other Structure

$25 - $500k of personal liability

$10k in Medical Payments

Fire & Lightning, Riot & Civil Commotion, Aircraft, Windstorm/Hurricane/Hail*, Explosion, Damage by Vehicles, Smoke, Vandalism and Malicious Mischief, Water Damage (sudden/accidental), Falling Objects, Weight of Ice/Snow/Sleet, Breakage of Glass, Theft

Money, Bank Cards, Jewelry, Watches, Fur, Business Personal Property. (with limits)

Additional Available Coverages
  • Hurricane, Hail and Wind Coverage

  • Replacement Cost of Dwelling

  • Residential Glass

  • Dog / Animal Liability

  • Optional Enhanced Coverage (La póliza se podrá endorsar para agregar cobertura de dichos peligros por una prima adicional.)

Learn more

Homeowners Package


Protection for Your Home And Property

Available 12 Month Policies

Includes

$600k protection for your home

40% of personal property contents

10%-20% (of Dwelling Value) for Coverage of An Other Structure

$25 - $500k of personal liability

$10k in Medical Payments

Fire & Lightning, Riot & Civil Commotion, Aircraft, Windstorm/Hurricane/Hail*, Explosion, Damage by Vehicles, Smoke, Vandalism and Malicious Mischief, Water Damage (sudden/accidental), Falling Objects, Weight of Ice/Snow/Sleet, Breakage of Glass, Theft

Money, Bank Cards, Jewelry, Watches, Fur, Business Personal Property. (with limits)

    Additional Available Coverages
    • Some regions are prone to these types of loss, so your mortgage company may require that you carry this coverage.

    • Receive the full cost for replacing your home in the event of a disaster.

  • Optional Enhanced Coverage

    (La póliza se podrá endorsar para agregar cobertura de dichos peligros por una prima adicional.)

    • Additional Living Expense/Loss of Use

    • Debris Removal, Emergency Removal of Property

    • Fire Department Charges

    • Temporary Repairs

    • Trees, Shrubs, Plants and Lawns

    • Temperature Change/Consequential Loss

    • Arson Reward

    • Collapse

FAQS

  • Does my home have to be worth a certain amount?

    The coverage you pay will minimize your loss in the event of property damage. We insure home values up to $250,000.

  • What is Personal Property protection?

    Your possessions need to be insured. We safeguard your personal belongings, such as furniture, clothing and appliances that have been damaged or stolen, up to 40% of the limits of the coverage on your home.

  • What if I can’t occupy my home during repairs?

    This coverage provides for living expenses if your home is to damaged to live in. It allows for limits up to 10% of the amount for which your home is insured.

  • How much does liability protection cover?

    Liability coverage protects you if you are found legally responsible to support a claim against damages resulting from bodily injury or property loss. We offer liability limits from $25,000 to $300,000.

  • What about medical coverage?

    This coverage pays the necessary medical costs incurred when someone is injured in a covered loss on your property. A basic policy pays $500 in medical bills. We offer up to $5,000 in medical payment coverage.