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Property Insurance

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Coverages for Homeowners Insurance

We understand that unanticipated catastrophes such as fire, vandalism, hurricanes, and/or other events can cause significant damage to your house, which is why we offer the best and most cost-effective home protection choices. You and your family will enjoy priceless peace of mind by insuring your house for its current replacement value.


It is advised that you get your homeowner's insurance from a reputable insurance agent. Arte Insurance has licenced agents who are equipped to provide you with the best coverage for your needs and budget.

Only a few clicks or a phone call to (786) 670-3883 will get you a free homeowners quotation. Please give us the chance to safeguard your home. To save you time and money, we collaborate with the best insurance carriers and offer you the best rates.

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Homeowner Insurance Policy

In the United States, the HO3 (Home Insurance Policy) is the most frequent type of home insurance policy. It offers comprehensive coverage for your house, personal belongings, and liability.

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Rental Dwelling Insurance Policy

The DP3 insurance policy is one of three that are most widely used in the United States for rental properties. The DP3 is widely used since it is an Open Peril policy that is significantly more thorough than the DP1 or DP2.

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Home Liability Insurance

Personal liability coverage is one of the most critical aspects of a homeowner's, condo owner's, or renter's insurance policy. This policy protects you from being held accountable for accidents that happen inside or outside your home and cause personal harm or property damage to others.

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Owner's Insurance Policy for Condominiums

The most popular type of policy used to insure townhouses and condominium units in the United States is the HO6 (Condominium Owner's Insurance Policy). It offers outstanding coverage alternatives for your condo or townhouse's internal walls, personal belongings, and liability protection.

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Insurance for renters

Renters insurance is the most frequent term for the HO4 (Renter Insurance Coverage) insurance policy. The HO4 insurance form gives good coverage alternatives for your personal property and liability protection whether you rent a home, condominium, townhouse, or rental flat.

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Insurance Against Floods

Flood insurance protects your home, other residences, interior and exterior walls, roofing, furniture, clothes, and appliances from flooding, mould, and mudslides. Flood insurance is not a protected danger under a homeowner policy and must be acquired separately or added to your homeowners policy through an endorsement if available.

Insurance for Homeowners

One of the most essential investments one can make is a home. When you purchase homeowner insurance from Univista Insurance, you can rest assured that your house is appropriately protected. Our objective is to provide you with affordable home insurance coverage that is good for both you and your budget.

Home insurance

Property insurance FAQs

  • Is it mandatory to have car insurance?
    Yes, car insurance is mandatory in Florida. At Arte Insurance Corp, we ensure you meet the state's requirements by offering policies that include Personal Injury Protection (PIP) and Property Damage Liability (PDL) coverage.
  • What is car insurance?
    Car insurance is a contract in which you will pay premiums, and we cover costs related to accidents and vehicle damage. Our policies include various coverage options such as liability, PIP, collision, comprehensive, and more to suit your needs.
  • What are the types of car insurance policies?
    At Arte Insurance Corp, we offer several types of car insurance policies: Liability Insurance: Covers damages and injuries you cause to others. Personal Injury Protection (PIP): Covers your medical expenses regardless of fault. Collision Insurance: Covers damages to your car from collisions. Comprehensive Insurance: Covers non-collision damages (theft, natural disasters). Uninsured/Underinsured Motorist Coverage: Protects you if the other driver lacks sufficient insurance. Medical Payments Coverage: Covers medical expenses for you and passengers. Gap Insurance: Covers the difference between your car's value and the loan amount if your car is totaled.
  • When do you buy a commercial car insurance policy?
    You should buy a commercial car insurance policy from Arte Insurance Corp if you use your vehicle for business purposes, such as transporting goods, driving for a rideshare service, carrying passengers for a fee, or using the vehicle for work-related travel. This policy covers business-related risks not included in personal car insurance.
  • Is it required to renew four-wheeler insurance every year?
    Yes, it is generally required to renew four-wheeler (car) insurance every year. At Arte Insurance Corp, we make the renewal process simple and hassle-free to ensure you remain covered and compliant with legal requirements.
  • Why purchase car insurance online?
    Purchasing car insurance online through Arte Insurance Corp offers several advantages: Convenience: Buy anytime from anywhere. Comparison: Easily compare different policies and prices. Speed: Immediate quotes and quick policy issuance. Cost: Often cheaper due to reduced overhead costs. Documentation: Instant access to digital policy documents.
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There are three strategies to lowering your home insurance premiums.

Nothing is more depressing than seeing the cost of homeowner's insurance rise year after year. Despite the fact that we have the same old house, we wind up spending more. The worst part is that cancelling home insurance is not a viable choice.
However, just because we can't seem to come up with a solution doesn't mean there aren't alternatives to save money on insurance. Actually, there are several steps you can do to reduce the cost of your house insurance rates, which we will discuss here.

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