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Avatar Property and Casualty Insurance Company

Avatar Property and Casualty Insurance Florida

Want to work with a company that’s Florida based, provides knowledge on Florida policies, and provides a helpful team of Florida employees? If yes, Avatar Property and Casualty Insurance Company are for you. This company has been protecting Florida homeowners since 2008. Avatar can provide stability to each policyholder by doing things right. This company underwrites and inspects every new risk and responds to most claims on the same day. In addition, Avatar Property and Casualty is rated A Exceptional by Demotech.


Avatar Property and Casualty Insurance Company has provided customers with repairs and many solutions for almost a decade. Avatar provides stability and extra security to all Florida property owners by offering comprehensive coverage across the state. This company writes home insurance, condominium insurance, manufactured home insurance, and commercial building insurance. Policyholder assets are treated as if they were their own. Avatar values its responsibility to repair assets entrusted to its coverage.


All claims made with Avatar Property and Casualty Insurance are responded to within 24 hours, with zero delays. Their primary mission is to provide quick, effective, and efficient service that always leaves customers with a smile. Now that you know about Avatar, let’s discuss their coverage options.


Policies Offered By Avatar Property And Casualty Insurance Company


Florida homeowners insurance here at Avatar is pretty straightforward. Their homeowners’ insurance policy is designed to provide coverage in the event of a covered loss for these items:

  • Your home
  • Any other structures that are located on your property
  • Your belongings
  • Loss of use of your home
  • Personal liability
  • Medical payments for others


Property coverage in your policy will include different types. These types are Coverage A, Coverage B, Coverage C, and Coverage E. In regards to your Florida homeowners insurance, here is each coverage type. Remember, your coverage limits for your home are determined by using an estimator to determine what it would cost to rebuild after a loss.

  • A – This is Dwelling Coverage, which covers your dwelling. In addition, your attached structures are covered too.
  • B – This will cover structures such as a garage, fence, and swimming pool.
  • C- Covers personal property, such as clothes and furniture, for a loss covered by perils named in your policy.
  • E- Covers you legally for liability for bodily injury or property damage to others.




Condominium Insurance At Avatar Property And Casualty Insurance Company

Many Florida condominium associations only insure the building’s structure and other common areas. This means you are responsible for protecting everything inside your condo. Therefore, you will need to purchase a personal condominium insurance policy. Luckily, Avatar has the procedure you are looking for! Keep in mind that while shopping for a condo policy, you will find coverages up to the amount you select, for example, personal property protection, the replacement value of your primary dwelling, and attachments up to a specific value, bodily injury, liability, and damage protection from dangers.


Commercial Coverage At Avatar

Avatar offers commercial property coverage for both residential and light nonresidential occupancies. These programs provide buildings, contents, equipment, and other outdoor property. C coverage commercial nonresidential is new to Avatar. It was designed with light occupancies in mind. Avatar can provide specialized knowledge of hotel and Medical Office occupancies to help provide the coverage you need without paying for what you don’t.



Manufactured And Mobile Home Owners At Avatar

Avatar Property and Casualty offers two coverage options for manufactured/mobile homes built in 2004 and newer. They are HO3 homeowners and Dwelling DP1 policies. First, the Mobile Home Owners HO3 policy will cover your home and personal property. Personal property includes home furniture, clothes, appliances, and personal items. In addition, this coverage type will pay for the replacement or repair of your items up to your covered limit.


Mobile Home Dwelling (DP1) policy provides coverage for your home and your personal belongings but only for covered perils in your policy. Extended coverage is also available as an option to expand your hazard coverage. Replacement cost coverage for personal property is also known as an option. The DP1 policy is public when your home is used for any rental, and additional exclusions and coverage limits will apply. There will also be no coverage for water damage or damage to the personal property of others.



Avatar has it if you are looking for a policy that gives you the peace of mind you deserve! Avatar has the right policy for you if you are a Florida resident in the market for a reliable home or condo insurance policy. Collect an Avatar Property and Casualty Insurance Company quote here at today.

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