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Avatar Property and Casualty Insurance Company

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 is for you. In fact, this company has been protecting FL homeowners since 2008. Avatar can provide stability to each policyholder by doing things right from the start. 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. In fact, Avatar provides stability and extra security to all Florida property owners by offering comprehensive coverage all 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 the responsibility given to them in order to repair assets entrusted to their coverage.


All claims made with Avatar Property and Casualty Insurance are responded to within 24 hours, with zero delays. Their main 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 the coverage options they offer.


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 is determined by using an estimator to determine what it would cost to rebuild after a loss.

  • A – This is Dwelling Coverage, which obviously 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 your 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 buildings structure and other common areas. This simply means that you are responsible for protecting everything inside of your condo. For this very reason, you will need to purchase a personal condominium insurance policy. Luckily, Avatar has the policy 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 certain 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 coverage for the building, its contents, equipment, and other outdoor property. Commercial non-residential is new to Avatar. It was designed with light occupancies in mind. Avatar can provide specialized knowledge of Hotels and Medical Office occupancies to help provide the coverage you need without paying for what you don’t.



Manufactured/Mobile Home Owners at Avatar

Avatar Property and Casualty offers two coverage options when it comes to manufactured/mobile homes built in 2004 and newer. They are HO3 homeowners and Dwelling DP1 policies.  First, the Mobile Home Owners, HO3 policy will provide coverage for your home and your personal property. Personal property will include your furniture, clothes, and appliances in your home, and personal items. This coverage type will pay for the replacement or repairing 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 perils coverage. Replacement cost coverage for personal property is also available as an option. The DP1 policy is the option available 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.



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

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