Insuring Florida. Insuring What Matters Most.
Get started by requesting a quote. Are you an existing client? Visit our Service Center to manage your insurance. Also, download our app. Get fast, easy access to everything you need right when you need it!
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Learn About Statewide Insurance
Since the founding of our agency in 2005 to today, Statewide Insurance has been focused on one thing—your insurance needs. As an independent insurance agency, we are determined to help you find insurance coverage that’s both affordable and offers solutions for your unique needs.
As Floridians ourselves, we understand the risks of the region, and we work hard to carry on our founding tradition to serve others by offering insurance coverage while other companies choose not to. You can count on Statewide Insurance to be here for you in your time of need to offer advice, solutions, and the personalized service you deserve. Get started today!
Learn About Us
About Our Founders
- Mark Capes (USN) and Kevin Fecteau (USAF Retired) founded Statewide Insurance in 2005.
- They are both proud to continue serving our local communities.
- The next generation joined the family business to help carry on our tradition of service.
Locally Focused, Statewide Solutions
Located in the heart of Central Florida in Dade City, FL, we are proud to serve clients locally in San Antonio, Zephyrhills, and Wesley Chapel, FL. Contact us to get started.
Contact UsVisit Our Office
The Solution to Your Insurance Needs
Statewide Insurance offers a variety of personal insurance and business insurance solutions to help you protect what matters most.
Why Our Clients Choose Us
Check out our reviews and see why our clients continue to recommend Statewide Insurance.
“Statewide Insurance has always been able to find me the best and most comprehensive insurance at a competitive rate. You need to give them a chance to earn your business!”
Customersince 2013
“There is great of peace of mind knowing your home is insured with an agency you can trust. We feel that way about your company. Thank you.”
Linda H.customer since 2018
“Your office staff is very friendly and helpful, either on the telephone or in person. We really appreciate that!”
Elizabeth S.customer since 2010
“Complete professionalism and bent over backwards to help me. I highly recommend these guys. ”
Donald R.customer since 2008
“We appreciated the message from you before the recent hurricane to let us know you were thinking of us and what we should include in our paperwork in the event of evacuation. Thanks so much!”
Ron B.customer since 2017
“You have been right on time and reasonable with everything from day one!!”
Pete H.customer since 2008
“I like dealing with real people, not phone trees, websites, etc. I get that at Statewide. I can walk into their office or pick up the phone and access a person who remembers who I am and who efficiently and compassionately takes care of my questions and concerns. ”
Forrest K.customer since 2016
“Great service from Jared and his team. Very knowledgable and always available.”
Reinaldo U.customer since 2014
“You've always been super responsive and knowledgeable. Also - proactive. Researching insurance options for us prior to time of renewal, which was deeply appreciated.”
Customersince 2015
“All the staff at Statewide are courteous, helpful answer questions in a timely manner, make one feel important, and attempt to get the best rates for their clients.”
Scott S.customer since 2013
“Your team is always responsive and quick. Everyone I've dealt with is very knowledgeable. I have recommended you in the past.”
Janette M.customer since 2020
“Statewide is a great hometown business that supports the community and gives great service!”
Robert N.customer since 2007
“Mark and his team are always quick to help and answer any questions we may have. They go out of their way to get the right insurance for our needs. Highly recommend!”
James B.customer since 2017
“Searching other companies to get the best rates and best insurance policies. Excellent support and help when you call with a problem. ”
Steven S.customer since 2006
“Quick, honest and convenient. ”
Customersince 2019
“Statewide made it easy to apply for flood insurance. Renewing has been super easy. The office seems happy and efficient. ”
Raymond P.customer since 2013
“You all are so pleasant to work with and always look out for the customer. It's great to know you have someone looking out for your best interest.”
Christina S.customer since 2019
“The phone is always answered by a real person and customer service is prompt and courteous. Have been a customer for several years and have referred many friends along the way.”
Customersince 2006
“Great customer service! Anytime I call or email, I get very fast and knowledgeable answers!”
Haley H.customer since 2016
“Client education is the gem. I always learn something when talking to Mark, either specific to an insurance policy, or sometimes regarding insurance in general.”
Customersince 2013
“Your staff works every issue we have ever had. That personal service is invaluable, in my opinion. And, your services saves my family money!”
Customersince 2019
“I have been a customer of Statewide for a very long time and the service of all the staff has been exemplary. I would highly recommend them to my family and friends.”
Customersince 2006
“I like the idea that you walked me through every step of the way through my claim! Never had a claim before! The response was incredible! Thanks so much!”
Samuel S.customer since 2021
“You guys always go above and beyond in ensuring that we’re given the best most affordable coverage available!”
Customersince 2013
“Your agency was recommended by a friend and we found your rates were very competitive with others.”
Customersince 2020
“You keep us updated on what we should know about our insurance policies. Great agency to help with our insurance needs.”
Customersince 2011
“You all respond to our questions in a timely manner. You make us feel like it matters. ”
Armen S.customer since 2012
“Took care of my business needs with just one call. Very nice people.”
Customersince 2021
“Your Statewide team does a great job looking and finding the best coverage for our Florida home and it has always came at a reasonable price. ”
Customersince 2012
“You've always been available to answer my questions and help me to understand my options. Before I knew to check in with you before renewing you actually contacted me about a better option and saved me a lot of money. You go above and beyond for your clients. You are all appreciated. ”
Robin M.customer since 2012
“I like the personalized service. I don’t have to think about insurance, they call me!”
John K.customer since 2007
“It is always nice to have a human answer the phone. I get fast answers and pleasant chats. Thanks for all your help.”
Customersince 2014
“The relationship with Statewide works so well that at this point it's on autopilot.”
Frank T.customer since 2012
“You always find the best prices around for insurance on our vehicles and we always get the the best customer service!”
Customersince 2005
“Provided us with two quotes for homeowners insurance very quickly and efficiently. Answers to our questions were also thorough and quick as was the follow up after we chose our plan. Would recommend highly.”
Customersince 2015
“Always looking out for my interest and trying to find me the best insurance at the best price with highest insurance company ratings. People are knowledgeable, friendly and compentant”
Customersince 2012
“I like the fact that you work so hard to take care of your customers.”
Tina L.customer since 2018
“Great people, great service.”
Thomas D.customer since 2013
“Fast response to inquiries, plenty of options to compare to find the best policy for your needs, overall great value for the money.”
Customersince 2020
“Provide prompt, helpful and insightful responses to questions and go extra mile from client's perspective and concerns. ”
Customersince 2010
“I love that you are a local agency. Customer service is the best. I carry both personal and business insurance through Statewide Insurance and everyone works hard to get me the best quotes possible. ”
Lisa P.customer since 2007
“Prices were great! The fact that they worked so hard to help our church when we did have a problem. was a big plus as well. You always find out what kind of Insurance comp. it is when you have a problem. Whether they take care of you or not tells the story. Thanks, mark You guys are #1.”
Billy B.customer since 2015
“I love this company. I wouldn't want to change a thing. Keep doing what you do. I thank you for all that you do and what you have done for my parents. Statewide associates are always there for me and were there for my parents. Business and personal. I would be forever grateful.”
Customersince 2012
“Marks personal attention and patience with my many questions are rare finds in the insurance business. He has informed me and saved me both stress and money. Both Mark and everyone there at the office make you feel more like a friend than a client. Highly recommend !”
Customersince 2012
“Chicdoggie has been using Statewide Insurance for all of our business need since 2007. Mark and his staff have served our company with enthusiasm and professionalism which at time is not always the case with insurance agencies. Our company is always in need of documentation and Mark and his staff have our requests back in the same day. ”
Kurt H.customer since 2007
“I appreciate the reminder notification when a premium is due that you mail out, also when I make changes to the policies for my vehicles or properties it's great that a phone call to your office is all it takes.”
Gene F.customer since 2014
“Very good communication and price thanks”
Customersince 2010
“Always take care of my needs immediately and cheerfully. ”
Customersince 2009
“staff is always willing to assist us with questions or concerns we may have. very satisfied with your company. joann s”
Joann S.customer since 2017
“Mark Capes, from the get go, has been incredibly responsive and proactive with making sure my insurance needs are met. He will let me know if I have better options around the time of renewal and sends reminders for my upcoming payment. On top of it all, he is very knowledgeable and an absolute pleasure to work with. Really couldn't ask for more. Great guy, great company. I have recommended him, with complete confidence, to friends of mine looking into their insurance options. ”
Erin C.customer since 2015
“i was with statewide for many years everyone was always ready to help no matter what question i had i will always miss you mark and the 2 girls”
Karen H.customer since 2006
“You checked other companies to find me a better rate while I was an existing customer. I was impressed.”
Customersince 2013
“Statewide has always been helpful and responsive when ever I call them.”
Customersince 2011
“Very helpful in finding the right insurance for me and what I needed”
Customersince 2019
“I appreciate the prompt and courteous phone service. When our home owners company went under last year, you switched is to another provider with no problems! Many of my neighbors had a very hard time getting replacement policies.”
Customersince 2015
“You always take care of things immediately and answer all my questions.”
Customersince 2008
“Always make us feel we matter. Your quick responses are very much appreciated. ”
Armen S.customer since 2012
“When I had a claim, payment was prompt and fair!”
Ian M.customer since 2010
“Always helpful, especially in stressful times.”
Customersince 2014
“Premium is manageable. Would definitely recommend ”
Dale Y.customer since 2010
“The service and response times are great. Fortunately I haven't had to make a claim (knock on wood).”
Andrew M.customer since 2017
“Convenient, quick responses, always professional.”
Customersince 2008
“Reasonable rates. Quick response after hurricane damage and during the processing of money for the repairs,”
Customersince 2015
“Great company & staff! Mark has our back! Has saved us money!”
Alicia T.customer since 2012
“Friendly, helpful in finding a company for us.”
Carolyn C.customer since 2020
“Very friendly and personable service. Very responsive to any questions asked.”
Douglas S.customer since 2020
“very easy to get insurance on a recent mobile home I purchased. ”
Customersince 2020
“The service was professional, with a quick response and a great attitude, Jared Capes provide a perfect customer service, answered all my questions and additional information which allowed me to get a better coverage, Thank you very much Statewide. ”
Maikel S.customer since 2020
“Statewide Insurance has always been able to find me the best and most comprehensive insurance at a competitive rate. You need to give them a chance to earn your business!”
Customersince 2013
“There is great of peace of mind knowing your home is insured with an agency you can trust. We feel that way about your company. Thank you.”
Linda H.customer since 2018
“Your office staff is very friendly and helpful, either on the telephone or in person. We really appreciate that!”
Elizabeth S.customer since 2010
“Complete professionalism and bent over backwards to help me. I highly recommend these guys. ”
Donald R.customer since 2008
“We appreciated the message from you before the recent hurricane to let us know you were thinking of us and what we should include in our paperwork in the event of evacuation. Thanks so much!”
Ron B.customer since 2017
“You have been right on time and reasonable with everything from day one!!”
Pete H.customer since 2008
“I like dealing with real people, not phone trees, websites, etc. I get that at Statewide. I can walk into their office or pick up the phone and access a person who remembers who I am and who efficiently and compassionately takes care of my questions and concerns. ”
Forrest K.customer since 2016
“Great service from Jared and his team. Very knowledgable and always available.”
Reinaldo U.customer since 2014
“You've always been super responsive and knowledgeable. Also - proactive. Researching insurance options for us prior to time of renewal, which was deeply appreciated.”
Customersince 2015
“All the staff at Statewide are courteous, helpful answer questions in a timely manner, make one feel important, and attempt to get the best rates for their clients.”
Scott S.customer since 2013
“Your team is always responsive and quick. Everyone I've dealt with is very knowledgeable. I have recommended you in the past.”
Janette M.customer since 2020
“Statewide is a great hometown business that supports the community and gives great service!”
Robert N.customer since 2007
“Mark and his team are always quick to help and answer any questions we may have. They go out of their way to get the right insurance for our needs. Highly recommend!”
James B.customer since 2017
“Searching other companies to get the best rates and best insurance policies. Excellent support and help when you call with a problem. ”
Steven S.customer since 2006
“Quick, honest and convenient. ”
Customersince 2019
“Statewide made it easy to apply for flood insurance. Renewing has been super easy. The office seems happy and efficient. ”
Raymond P.customer since 2013
“You all are so pleasant to work with and always look out for the customer. It's great to know you have someone looking out for your best interest.”
Christina S.customer since 2019
“The phone is always answered by a real person and customer service is prompt and courteous. Have been a customer for several years and have referred many friends along the way.”
Customersince 2006
“Great customer service! Anytime I call or email, I get very fast and knowledgeable answers!”
Haley H.customer since 2016
“Client education is the gem. I always learn something when talking to Mark, either specific to an insurance policy, or sometimes regarding insurance in general.”
Customersince 2013
“Your staff works every issue we have ever had. That personal service is invaluable, in my opinion. And, your services saves my family money!”
Customersince 2019
“I have been a customer of Statewide for a very long time and the service of all the staff has been exemplary. I would highly recommend them to my family and friends.”
Customersince 2006
“I like the idea that you walked me through every step of the way through my claim! Never had a claim before! The response was incredible! Thanks so much!”
Samuel S.customer since 2021
“You guys always go above and beyond in ensuring that we’re given the best most affordable coverage available!”
Customersince 2013
“Your agency was recommended by a friend and we found your rates were very competitive with others.”
Customersince 2020
“You keep us updated on what we should know about our insurance policies. Great agency to help with our insurance needs.”
Customersince 2011
“You all respond to our questions in a timely manner. You make us feel like it matters. ”
Armen S.customer since 2012
“Took care of my business needs with just one call. Very nice people.”
Customersince 2021
“Your Statewide team does a great job looking and finding the best coverage for our Florida home and it has always came at a reasonable price. ”
Customersince 2012
“You've always been available to answer my questions and help me to understand my options. Before I knew to check in with you before renewing you actually contacted me about a better option and saved me a lot of money. You go above and beyond for your clients. You are all appreciated. ”
Robin M.customer since 2012
“I like the personalized service. I don’t have to think about insurance, they call me!”
John K.customer since 2007
“It is always nice to have a human answer the phone. I get fast answers and pleasant chats. Thanks for all your help.”
Customersince 2014
“The relationship with Statewide works so well that at this point it's on autopilot.”
Frank T.customer since 2012
“You always find the best prices around for insurance on our vehicles and we always get the the best customer service!”
Customersince 2005
“Provided us with two quotes for homeowners insurance very quickly and efficiently. Answers to our questions were also thorough and quick as was the follow up after we chose our plan. Would recommend highly.”
Customersince 2015
“Always looking out for my interest and trying to find me the best insurance at the best price with highest insurance company ratings. People are knowledgeable, friendly and compentant”
Customersince 2012
“I like the fact that you work so hard to take care of your customers.”
Tina L.customer since 2018
“Great people, great service.”
Thomas D.customer since 2013
“Fast response to inquiries, plenty of options to compare to find the best policy for your needs, overall great value for the money.”
Customersince 2020
“Provide prompt, helpful and insightful responses to questions and go extra mile from client's perspective and concerns. ”
Customersince 2010
“I love that you are a local agency. Customer service is the best. I carry both personal and business insurance through Statewide Insurance and everyone works hard to get me the best quotes possible. ”
Lisa P.customer since 2007
“Prices were great! The fact that they worked so hard to help our church when we did have a problem. was a big plus as well. You always find out what kind of Insurance comp. it is when you have a problem. Whether they take care of you or not tells the story. Thanks, mark You guys are #1.”
Billy B.customer since 2015
“I love this company. I wouldn't want to change a thing. Keep doing what you do. I thank you for all that you do and what you have done for my parents. Statewide associates are always there for me and were there for my parents. Business and personal. I would be forever grateful.”
Customersince 2012
“Marks personal attention and patience with my many questions are rare finds in the insurance business. He has informed me and saved me both stress and money. Both Mark and everyone there at the office make you feel more like a friend than a client. Highly recommend !”
Customersince 2012
“Chicdoggie has been using Statewide Insurance for all of our business need since 2007. Mark and his staff have served our company with enthusiasm and professionalism which at time is not always the case with insurance agencies. Our company is always in need of documentation and Mark and his staff have our requests back in the same day. ”
Kurt H.customer since 2007
“I appreciate the reminder notification when a premium is due that you mail out, also when I make changes to the policies for my vehicles or properties it's great that a phone call to your office is all it takes.”
Gene F.customer since 2014
“Very good communication and price thanks”
Customersince 2010
“Always take care of my needs immediately and cheerfully. ”
Customersince 2009
“staff is always willing to assist us with questions or concerns we may have. very satisfied with your company. joann s”
Joann S.customer since 2017
“Mark Capes, from the get go, has been incredibly responsive and proactive with making sure my insurance needs are met. He will let me know if I have better options around the time of renewal and sends reminders for my upcoming payment. On top of it all, he is very knowledgeable and an absolute pleasure to work with. Really couldn't ask for more. Great guy, great company. I have recommended him, with complete confidence, to friends of mine looking into their insurance options. ”
Erin C.customer since 2015
“i was with statewide for many years everyone was always ready to help no matter what question i had i will always miss you mark and the 2 girls”
Karen H.customer since 2006
“You checked other companies to find me a better rate while I was an existing customer. I was impressed.”
Customersince 2013
“Statewide has always been helpful and responsive when ever I call them.”
Customersince 2011
“Very helpful in finding the right insurance for me and what I needed”
Customersince 2019
“I appreciate the prompt and courteous phone service. When our home owners company went under last year, you switched is to another provider with no problems! Many of my neighbors had a very hard time getting replacement policies.”
Customersince 2015
“You always take care of things immediately and answer all my questions.”
Customersince 2008
“Always make us feel we matter. Your quick responses are very much appreciated. ”
Armen S.customer since 2012
“When I had a claim, payment was prompt and fair!”
Ian M.customer since 2010
“Always helpful, especially in stressful times.”
Customersince 2014
“Premium is manageable. Would definitely recommend ”
Dale Y.customer since 2010
“The service and response times are great. Fortunately I haven't had to make a claim (knock on wood).”
Andrew M.customer since 2017
“Convenient, quick responses, always professional.”
Customersince 2008
“Reasonable rates. Quick response after hurricane damage and during the processing of money for the repairs,”
Customersince 2015
“Great company & staff! Mark has our back! Has saved us money!”
Alicia T.customer since 2012
“Friendly, helpful in finding a company for us.”
Carolyn C.customer since 2020
“Very friendly and personable service. Very responsive to any questions asked.”
Douglas S.customer since 2020
“very easy to get insurance on a recent mobile home I purchased. ”
Customersince 2020
“The service was professional, with a quick response and a great attitude, Jared Capes provide a perfect customer service, answered all my questions and additional information which allowed me to get a better coverage, Thank you very much Statewide. ”
Maikel S.customer since 2020
Read Our Google Reviews
The Independent Agency Advantage
What makes our independent insurance agency different?
We offer a wide variety of insurance solutions.
We are there for you in your time of need.
We are by your side every step of the way.
We are licensed insurance advisors.
An Independent Agency Gives You Options
We proudly represent a wide variety of top-rated insurance companies to help you find quality, affordable coverage.
Fire
Risk Factor
Most fires are devastating. Besides the emotional impact, the physical damage to your home can be significant. If you lost your home to fire, do you have adequate insurance to replace your home and its contents? Remember, inflation rates on building materials and construction costs rarely track with real estate values. As a result, rebuilding a home can often cost significantly more than expected.
Solution
Make sure your homeowners policy contains replacement cost coverage with no cap. This protects you if the cost to reconstruct your home is higher than your current limit of coverage. And, be sure that your insurance includes rebuilding your home to code. Very often, local ordinances and building codes change over time, which may require additional costs.
Personal Property / Contents - Property Damage
Risk Factor
When your home suffers damage due to an unexpected event, your personal property is also at risk. Furniture, appliances, clothing, electronics, and other personal items can also be damaged or destroyed.
Solution
Your homeowners insurance policy typically covers personal property, including the contents of your home and other personal items owned by you or family members who live with you. Make sure your homeowners policy includes replacement cost coverage for personal property so that you always receive the full cost to replace whatever item is damaged.
Additional Living Expense / Loss of Use
Risk Factor
When there is substantial damage to your home due to unexpected events such as lightning, fire, or a storm, you may not be able to live in your home until it can be repaired or rebuilt–potentially incurring additional living expenses for lodging, food, and other daily needs.
Solution
Ensure that your homeowners insurance policy provides additional living expense or loss of use coverage to compensate you for the additional costs you incur for reasonable housing and living expenses if a covered event makes your house temporarily uninhabitable while it's being repaired or rebuilt.
Valuable Possessions
Risk Factor
Typically, there is a sublimit on homeowner insurance policies for valuable possessions, such as jewelry, furs, fine arts, and other collectibles.
Solution
Obtain a personal floater or schedule your valuable possessions to ensure you’ll have the money to replace them.
Medical Expenses
Risk Factor
If a guest is injured while on your property, even when it’s due to a friendly game of baseball, you may be required to pay any medical expenses associated with their injury.
Solution
Your homeowners policy should include medical expenses coverage to take care of injuries and treatment - generally not of a serious nature. In the event a person is injured on your property and requires medical attention, you would be able to submit the injury-related medical expenses to your insurance carrier. Medical expenses are usually paid without a liability claim being filed against you.
Personal Liability
Risk Factor
In the unfortunate event that someone slips and falls while on your property, you and your family may be held liable for any injuries that result.
Solution
Your homeowners policy includes personal liability coverage to respond to incidents where injuries or damages occur to a third party where you may be deemed negligent. However, you should consider purchasing a personal umbrella or excess liability policy to provide additional coverage limits to protect your assets in case a lawsuit is brought against you.
Miscellaneous Coverage
Risk Factor
The fun that comes with having a trampoline in your backyard can also be accompanied by serious risks, which may not be covered under your standard homeowners insurance policy since coverage varies from state to state and between insurance companies.
Solution
You should make sure your homeowners insurance policy covers your trampoline, as many insurance providers refuse to take on trampoline liability and exclude the item from coverage.
Personal Injury / Defamation
Risk Factor
Young people are usually very active online. However, using social media and other sites can increase the possibility of them directly or indirectly damaging someone's reputation and exposing you, the parent, to a lawsuit.
Solution
Your homeowners insurance policy includes liability coverage for property damage caused by any member in the family, but likely does not cover rumors or statements that damage a reputation. You may need to seek additional coverage to include liability protection that covers personal injury or defamation.
Umbrella / Excess Liability Coverage
Risk Factor
You invite guests over for a pool party and one of your guests dives into the shallow end of the pool and is permanently injured. They hire a lawyer to represent them and after a long legal battle, you and your family are left financially responsible for their injuries. Do you have enough money in savings to cover your legal responsibilities as well as the legal defense costs?
Solution
An umbrella or excess liability policy increases your personal liability limits by adding protection over and above your current auto, boat, or homeowners policies-providing financial value and security. Excess liability insurance is available either by an endorsement to your homeowners policy or available as separate coverage.
Flood Coverage
Risk Factor
You do not have to live near a body of water to suffer loss due to flooding. With the changing weather patterns and more damaging storms occurring around the globe, flood losses are becoming more common in places that are not normally prone to flood damage. Your homeowners policy does not cover damage from flood. Could your home be at risk?
Solution
Purchase a flood insurance policy to protect your home and covered contents from certain types of flood losses as designated by the National Flood Insurance Program. A flood policy is purchased as a separate policy through the federal program (NFIP) or through a servicing carrier known as a write your own carrier.
Secondary Home
Risk Factor
Owning a secondary home has the potential of increasing your liability exposures.
Solution
Be certain that you extend the liability coverage under your homeowners policy to include your secondary home. You should also consider including the secondary home under an excess liability or umbrella policy to provide for additional liability limits.
Collector Cars
Risk Factor
Collector or classic vehicles often have significant value and require special documentation and unique insurance coverage to ensure they are adequately protected. Even if stored on your property, they are typically not covered under your homeowners insurance.
Solution
Insure your collector cars with a specialized insurance company that focuses on and understands the unique nature of collector or classic cars and other vehicles.
Wine Collection
Risk Factor
If you are a connoisseur of wine, you know that it is susceptible to outside environmental exposures that can ruin it. If the collection is damaged, coverage from your homeowners policy is a possible recourse. However, the damage is only insurable if it is a covered cause of loss as outlined in your homeowners policy. A deductible would also apply.
Solution
If you have a sizable wine collection, you may want to consider scheduling the collection on your homeowners policy. Doing so expands your coverage and eliminates the deductible in case of a loss. You can also consider unique coverages for wine, such as for spoilage.
Water Damage
Risk Factor
Whether entering from outside your home from a flood or from within your home’s plumbing system, water damage is the most common cause of loss to a home. Many policies exclude losses caused by backup of sewers and drains, and all unendorsed homeowner policies exclude damage caused by a flood.
Solution
Careful review is essential to protect your home and belongings from all sources of water damage. We recommend coverage solutions from insurance companies that include backup of sewers and drains. Also, identify cost efficient solutions to address the risk of flood damage in the first place.
Off-Premises Theft
Risk Factor
Surprisingly, standard auto insurance does not cover personal property or contents stolen from your car.
Solution
Most homeowners policies offer an option to include off-premises theft coverage as an endorsement, which covers you for theft of your personal property away from your residence.
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