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Homeowners

Homeowners Insurance in Ocala, The villages and throughout central Florida

Homeowners Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Homeowners Insurance Quote Form

Homeowners Insurance Information

Insurance for Homeowners Across Florida

Protecting your home is one of the many responsibilities you face as a homeowner. While storms and accidents aren’t always avoidable, a home insurance policy can help provide compensation for damages to your home and personal belongings.

Since 1929, The Hagar Group has helped homeowners compare quotes and insure their home with a tailored policy. Our agents are dedicated to helping homeowners protect their homes against different risks.


What Does Home Insurance Cover?

A basic home insurance policy covers four main areas:

Liability Coverage

Personal general liability under home insurance covers accidents of bodily injury and property damage someone else may suffer. For example, if a visitor trips and falls in your home, liability insurance can help pay for their medical bills. It can also protect you in the event of a lawsuit regarding these types of accidents. Liability can also extend to cover damage and injuries caused by your children or pets. If your pet bites someone, or if your child accidentally breaks someone’s window with a baseball, liability insurance can help pay for the related expenses.

Dwelling Coverage

Dwelling coverage provides compensation for damages to the physical home and its attached structures. It covers against a list of perils, including fire, wind, hail, lightning, smoke, explosions, falling objects, theft and vandalism. This does not generally cover things such as fences and outdoor signs.

Personal Belongings Coverage

Personal belongings coverage provides compensation if your personal items are lost or damaged due to many of the same perils as covered by dwelling insurance. There are also optional policy floaters available to cover your expensive items, such as jewelry, furs, art and electronics.

Additional Living Expenses

Additional living expense coverage helps cover costs related to temporarily moving if your home is rendered uninhabitable by a disaster. If a hurricane sweeps in and destroys your home, for example, this coverage can help with costs such as food and temporary shelter.

Protect Your Home Today

Protect your home with a policy you can trust. Call The Hagar Group at (352) 726-1691 or fill out an online quote form to get started today.

Common Home Insurance Questions

How Much Home Insurance Do I Need?

Every home is different and may need different limits of home insurance. However, it is generally recommended that you carry enough home insurance to cover the total replacement cost value of your home. This is how much it would cost to completely rebuild your home after a disaster, including building and material costs.

How Far in Advance Can I Buy Home Insurance?

You should ideally have home insurance by the time you’re ready to sign the dotted line on your home. Before you move in, it is important to have a comprehensive home insurance policy to protect you, your family and your new home against common dangers.

When Do You Need Home Insurance?

Although home insurance isn’t generally required by state or federal law, it is usually required for banks so long as you have a mortgage on your home. Even without a mortgage requirement, home insurance is crucial to keep your home and its contents safe in case of an accident or disaster.

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