Don’t Trust Your Most Valuable Asset With Just Any Home Insurance Company.

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Best Coverage For Your Home

Your home is one of your biggest assets, and it’s important to do all that you can to protect it. We’ll help you plan for the unexpected with insurance coverage that’s just right for you and your family.

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Homeowners insurance FAQs

Why do I need homeowners insurance?

This is obvious but…homes are pretty expensive. Sadly, disasters may happen more often than we think, so it’s important to always be prepared and secured for the worst. 

How Does Homeowner's Insurance Work?

Plain and simple, home insurance is used when something bad happens to your home. It covers a broad array of damaging situations where the costs to rebuild or repair would be too much to pay for out of pocket. If something were to happen to your home, your homeowners insurance company will pay to get things back to normal. Most home insurance plans have deductibles where in a damaging situation you would pay a certain amount of money before the home insurance company takes over and pays there rest. In this case, make sure you’ve looked over your homeowners policy to understand your deductible amount.

What Home Insurance Covers:

A good way to look at it is, a solid homeowners policy will cover most things that can damage or be a threat to your home from a hurricane to vandalism. A good insurance policy will not only give you money to repair or rebuild but it will also pay for you to replace personal belongings that may be damaged or stolen. All NSI homeowners insurance plans are clearly laid out and if there is something that is not included, chances are we can find a way to get it insured.

When Should I Get Homeowners Insurance?

Unlike with auto insurance, it is not required by law to carry homeowners insurance. However, chances are you have a mortgage and you are required by your mortgage lender to carry insurance. In most cases your primary dwelling is your most valuable asset. Leaving it without the safeguard of homeowners insurance is extremely risky. If you don’t have a mortgage, you should still consider the protection and peace of mind that homeowners insurance can offer. It’s important to always be prepared and secured for the worst.

Is homeowners insurance required by law?

As mentioned above, it is not. Unlike auto insurance, states do not mandate you to insure your home. However, if you’re financing a house, your mortgage lender will likely require you to get a homeowner’s insurance. 

How Much Does Home Insurance Cost?

This is a tricky question. It depends on many different factors including the age of your home, replacement value of the home, how much coverage you want, etc. And there are many variables beyond those that need to be factored in as well. These factors will either increase or decrease the cost of your homeowner’s insurance policy. The easiest way to find out is to get a free quote from NSI.

How Home Insurance is Calculated:

The answer here is similar to the above. There are several factors at play here. The first being how much your home is worth. The more expensive it is, the more it will cost to insure. Also, the age of your home will be taken into account. Every home is unique and requires individually tailored needs which will ultimately determine your total price. It also depends on you and how much home insurance protection you want. 

Which Homeowners Insurance Coverage is preferred?

There are several types of homeowners insurance coverage options out there. Some are much more comprehensive than others.  Two basic principles to consider are the differences between Replacement Cost and Actual Cash Value policies. One pays home insurance claims based on the cost of rebuilding or repairing your home,  while the other pays home insurance claims after accounting for your home’s value at the time of the accident or situation. Actual Cash Value generally costs less and offers less coverage.

Is Homeowners Insurance Worth it?

The easy way to look at it is, if your home was hit with a disaster would you be able to pay to rebuild it? If your home experienced some type of smaller damage could you fork over the tens of thousands of dollars to fix it? Most people answer no to these questions. Homeowners insurance can not only replace your home but also cover your personal belongings.  Knowing you don’t have that burden on your shoulders makes it a purchase well worth it.

If my house is destroyed, will homeowners insurance replace my house? 

In every homeowners policy, there are coverage limits. Consult your insurance agent and be sure to read through the fine print of your policy to be sure you’re satisfied with its limitations. 

How much homeowners insurance do I need? 

Good question! And the answer is, that it all depends on the property’s replacement value, current condition, and how much stuff you have.

When to File A Homeowners Claim

If there is any type of significant damage to your home, it is time to file a claim. Call your agent to have them guide you through the claims process.

How to File A Home Insurance Claim:

You can file a homeowners insurance claim by calling your insurance agent as soon as you can and once you are safe and out of harms way. Once you are on the phone with your agent they will tell you exactly what to do and explain the process. Also, and this is very important: Don’t be shy about asking any questions no matter how simple or complex they are.

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Jay Parker

CEO, Florida Brokerage, of Douglas Elliman

My experience with NSI was mind-blowing in terms of service, diligence and how they provide a higher level of care. They are constantly looking to provide me with added value, not to upsell me but to provide more comprehensive service at a lower price.


Jeff Grady

President & CEO, Florida Association of Insurance Agents

There’s more institutional knowledge at NSI than in most places in Florida. They have real knowledge about their craft…it’s often not just about the price of insurance, it’s about the right coverage and finding the right company.



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For over 60 years we’ve been delivering the most competitive personal insurance options to individuals and families across the United States. Our dynamic approach to personal insurance is unparalleled in our industry. At NSI, you are always the priority. 

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