Contact us

8 am - 4 pm Monday-Friday

Call or Email Now

(321) 723-1278

Click Here For Email

Home Insurance FAQ's

Q:

What is homeowners insurance?

A:

Homeowners insurance is a form of personal lines property insurance. The typical homeowners policy has two main sections:
1) covers the property of the insured and
2) provides personal liability coverage to the insured.


Q:

What do I need to know when purchasing homeowners insurance?

A:

  • Get the amount and type of insurance that you need.

  • Determine the amount of personal property insurance and personal liability coverage that you need.

  • Select any additional endorsements you want to add to your policy. For example, do you want the personal property replacement cost endorsement?


Q:

What is "actual cash value"?

A:

When "actual cash value" is used in a policy, a policy owner is entitled to the depreciated value of the damaged property.


Q:

What is replacement cost"?

A:

When "replacement cost" coverage is used in a policy, a policy owner is reimbursed an amount necessary to replace the article with one of similar type and quality at current prices.


Q:

Where and when is my personal property covered?

A:

Coverage C of a homeowners policy provides named perils coverage. This applies to all your personal property (except property that is specifically excluded).


Q:

Should I purchase sinkhole coverage?

A:

As the majority of Robinson Insurance customers are located in Melbourne or Indialantic in Brevard County Florida, sinkholes are not a major concern. However, it is comforting to know that every policy, as directed by Florida state legislature, includes catastrophic ground collapse coverage, which is what we consumers consider to be a legitemate "sinkhole." If you are purchasing in an area that has sinkhole history, it may be a good idea to also include the sinkole endorsement to your policy.


Q:

Should I purchase flood coverage?

A:

Yes, especially if your property lies in a flood plain as determined by US Government Flood Maps. Ask your Robinson Insurnace agent about a flood quote. Remember, flood coverage is never provided by a homeowners insurance policy.

Our Agents

Specialist on Relations with Customers

Home - Auto - Flood - Business

134 5th Avenue
Indialantic, FL 32903

Contact Robinson Insurance

E-mail address:
robinsonins@cfl.rr.com

(321) 723-1278

Available 8:00 am - 4:00 pm
Monday through Friday