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"Very professional staff was able to address all my questions in a timely knowledgeable manner. We will be using Worth for our insurance needs"
"Alex Lopez was great! Very responsive and will work his tail off for you."
"What amazing service and great rates! I cannot recommend them enough and as a Realtor I truly appreciate the service they give to my clients. Thank you Darren Craft"
"L'Oreal helped me step by step through the process of getting Homeowner's Insurance. Being a first time home buyer, this was exactly what I needed. Her responsiveness, knowledge and diligence made it simple for me to get insured. Highly recommend!"
"Alex returned all my calls, answered all my questions and worked tirelessly to find homeowners’ insurance for our home in Florida. He earned my trust because of his honesty and his persistence."
"Super helpful and professional! Highly recommend!!"
"Simply the best customer service!! Matt Always checks prices and coverage, and gives us amazing deals. THANK YOU 🙏"
"I had a great experience with this agency. They gave me very prompt quotes and were responsive and helpful. Highly recommended!"
"Worth Home Insurance was outstanding especially agent Alex Lopez professional approach."
"Have successfully worked with Worth Insurance on not just homeowners but my car insurance as well. Loved the professionalism the entire team has, and appreciate the attention to detail and customer experience they provided."
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Top Carriers. Great Rates. Quality Coverage.
Our Coverages
We're here to help you make the most of your insurance. Worth was born out of the first hand frustration with the home insurance experience. Our process and team make it quick and easy to find the best value policies and protect against the unexpected. Let's take home insurance off your to do list and say hello to peace of mind.
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Home
This first section of coverage provides coverage for the actual home itself. It is important that the value limit of this coverage be set to at least the amount equal to what it would cost to rebuild your home, otherwise known as your replacement cost coverage. Mortgage lenders also require for homes to be insured at least to their replacement cost.
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Other Structures
The Other Structures section provides coverage for other structures on your property. Some examples include fences, sheds, and detached garages. Typically this coverage is set to about 10% of your Coverage A, but it should be adjusted up if there is a need for increased coverage limits.
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Personal Property
Section C of the policy provides coverage protection for personal belongings. One easy way to describe what this covers is if a house was to be turned upside down and shaken, what would fall out is what would apply to this coverage section. Examples of personal property include, furniture, electronics, clothes and toys.
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Loss of Use
This coverage provides for reimbursement for additional living expenses in the case that a covered peril caues damage to your home that makes it unlivable. In this case you may need to move out of the home and rent a different home or a hotel room in the interim. Typically this is limited in terms of time and cost defined by the policy.
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Personal Liability
Coverage E is the policy's provision for liability coverage. This section provides protection against things like medical bills and legal fees if someone happens to be injured on your property or in the case you are found liable, ie if your dog bites someone. Certain factors can make your home more risky in this regard. Examples include trampolines and pools. It is important to safeguard these areas of your home from children.
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Medical Payment
The final section of the policy is Coverage F. This section provides protection against payments for minor medical bills to those injured on your property. The typical coverage amount for a standard policy is limited to $5,000 per claim. It is possible for this portion of the policy to provide a payout even when the injury was not your fault.
Frequently Asked Questions
Flood insurance is the most common cause of loss from a natural disaster.
Flood insurance covers losses directly caused by flooding. Flooding is defined as rising water. It is defined as an excess of water on land that is normally dry, affecting tow or more acres of land or two or more properties.
States do not require homeowners to purchase flood insurance. If a home is in a high-risk flood zone, as determined by FEMA, a lender will typically require the homeowner to purchase and maintain flood insurance at all times.
Insurance premiums are based on risk of loss. The higher the probability of loss, the higher the cost to insurance against that risk. The more likely a home is prone to flooding, the more expensive the flood insurance will be.
Floods are the most common type of natural disaster in the world. Over 40% of natural catastrophes involve flooding.
An elevation certificate (EC) is a document that is prepared by a licensed surveyor. It should include the FEMA's Flood Insurance Rate Map, flood elevation, flood zone, and other details about the building.
Home insurance, or homeowners insurance, does not typically cover damages or losses caused by flooding. It is recommended that homeowners purchase a separate flood insurance policy to protect against this risk.
FEMA is short for the Federal Emergency Management Agency. It is an agency of the United States Department of Homeland Secuirty. It was initially created under President Jimmy Carter.
NFIP is short for the National Flood Insurance Program. It was created in 1968 by the Congress of the United States. The program has two purposes. The first purpose being to share the risk of flood losses through flood insurance. The second to reduce flood damages by restricting floodplain development.
Additional Living Expense is not typically covered by flood insurance.
Zones V, VE, A or AE are all designated as special flood hazard area zones. This means that these properties are projected to have a greater than one percent change of flooding in any given year.
