WD Royal Insurance: Your Trusted Independent Insurance Agency For Florida Home Insurance Coverage

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• Dwelling Coverage: This coverage will protect the overall structure of the house, including the rood and the walls.
• Other Structure Coverage: Other structure coverage concerns the physical structure of buildings on your property aside and physically separate from the home. This might include detached garages, sheds, workshops, etc.
• Personal Property Coverage: Personal Property Coverage protects what is inside the home. Some commonly covered items include furniture and appliance fixtures. This type of policy will cover these items even when damaged or stolen outside of the house.

• Liability Protection: Liability protection can help defend and protect you in the event of another individual suing you after being injured on your property, or if you cause damage to their property.
• Living Expense Coverage: A home insurance policy can cover increases in expenses due to habitation issues after a covered loss. Policyholders will commonly rely on this type of coverage when they must be away from home due to rebuilding or repair, including rent, hotel stays, and meal costs.

At WD Royal Insurance, our company offers the following optional coverages that you can add to your home insurance policy:

• Identify Theft Protection
• Personal Injury
• Increased Replacement Costs on Dwelling
• Scheduled Personal Property

Flood insurance is not typically covered under home insurance in the state of Florida. For this reason, purchasing flood insurance is crucial to ensure coverage from the number of hurricanes and tropical storms that frequent the area. We offer the following home and flood insurance options:

• Mid-to High-Value Homeowner’s Insurance
• Condo & Tenants Insurance
• Personal Umbrella Insurance
• Excess Flood Insurance
• Personal Inland Marine Insurance