Home Insurance

As your largest investment, it's important to make sure your home has the proper insurance coverage. We'll protect your home and everything in it for the lowest possible price.

Home Insurance in New Port Richey, FL - Lee Agency Corp
Protecting Your Home and Everything in It

At Lee Agency Corp, we understand your home is more than just a building; it's where life happens. That's why we offer comprehensive home insurance plans in New Port Richey, FL, to protect your biggest investment and give you peace of mind.

Why Choose Our Home Insurance?
  • Tailored coverage to meet your unique needs
  • Local expertise with a focus on New Port Richey homeowners
  • Competitive pricing with exceptional service

What Does Our Home Insurance Cover?
  • Dwelling Coverage: Protects the structure of your home
  • Other Structures: Coverage for garages, sheds, and more
  • Personal Property: Safeguards your belongings inside the home
  • Loss of Use: Assistance with additional living expenses if your home is temporarily uninhabitable
  • Liability Protection: Financial protection against certain lawsuits

FAQs:
  1. How Can I Ensure Adequate Coverage for My Home? We'll guide you in evaluating your home’s value and choosing the right coverage levels.
  2. Are There Any Common Exclusions I Should Know About? Standard policies typically exclude flood damage. We'll help you understand all exclusions and additional coverage options.
  3. What Should I Do in Case of a Home Insurance Claim? Reach out to us immediately. We're here to assist you through every step of the claim process.

Get Your Custom Home Insurance Quote Today!
Ready to safeguard your home in New Port Richey? Contact Lee Agency Corp for a tailored home insurance quote that fits your lifestyle and budget.

Typical Home Insurance Coverages

Section I — Property Coverages
  • Coverage A – Dwelling
    Covers the value of the dwelling itself (not including the land). Typically, a coinsurance clause states that as long as the dwelling is insured to 80% of actual value, losses will be adjusted at replacement cost, up to the policy limits. This is in place to give a buffer against inflation. HO-4 (renter's insurance) typically has no Coverage A, although it has additional coverages for improvements.
  • Coverage B – Other Structures
    Covers other structure around the property that are not used for business, except as a private garage. Typically limited at 10% to 20% of the Coverage A, with additional amounts available by endorsement.
  • Coverage C – Personal Property
    Covers personal property, with limits for the theft and loss of particular classes of items (e.g., $200 for money, banknotes, bullion, coins, medals, etc.). Typically 50 to 70% of coverage A is required for contents, which means that consumers may pay for much more insurance than necessary. This has led to some calls for more choice.
  • Coverage D – Loss of Use/Additional Living Expenses
    Covers expenses associated with additional living expenses (i.e. rental expenses) and fair rental value, if part of the residence was rented, however only the rental income for the actual rent of the space not services provided such as utilities.
  • Additional Coverages
    Covers a variety of expenses such as debris removal, reasonable repairs, damage to trees and shrubs for certain named perils (excluding the most common causes of damage, wind and ice), fire department changes, removal of property, credit card / identity theft charges, loss assessment, collapse, landlord's furnishing, and some building additions. These vary depending upon the form.
  • Exclusions
    In an open perils policy, specific exclusions will be stated in this section. These generally include earth movement, water damage, power failure, neglect, war, nuclear hazard, septic tank back-up expenses, intentional loss, and concurrent causation (for HO3). The concurrent causation exclusion excludes losses where both a covered and an excluded loss occur. In addition, the exclusion for building ordinance can mean that increased expenses due to local ordinances may not be covered. A 2013 survey of Americans found that 41% believed mold was covered, although it is typically not covered if the water damage occurs over a period of time, such as through a leaky pipe.
  • Floods
    Flood damage is typically excluded under standard homeowners and renters insurance policies. Flood coverage, however, is available in the form of a separate policy both from the National Flood Insurance Program (NFIP) and from a few private insurers.
Section II — Liability Coverages
  • Coverage E – Personal Liability
    Covers damages which the insured is legally liable for and provides a legal defense at the insurer's own expense. About a third of the losses for this coverage are from dog bites.

    Contact us to learn more about the right homeowners insurance for you.
(727) 807-7772
5734 Main Street
New Port Richey, FL 34652​
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