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Forty Insurance Associates is an insurance broker. That means we can quote your information with dozens of Florida carriers and find you the best rate. Fill in as much info as possible and we will contact you shortly with options.

Personal Property Coverage


Personal property refers to the items an insured owns. An example of a few of these things are furniture, electronics, and jewely.


Personal property coverage protects these items from loss, fire, and theft.


A common amount for personal property coverage in Florida is $20,000, but this amount can be adjusted based on the possessions of the insured.

Liability Coverage


Liability coverage protects an insured from legal fees and the cost of damages from an incident that causes bodily harm or property damage where they are found to be at fault.


A common amount for liability coverage in Florida is $100,000.

Hurricane Deductible


An amount a homeowner must pay before insurance will cover the damage caused by a hurricane.


Hurricane deductibles are separate from all other perils insurance deductibles and are based on a percentage of the dwelling coverage.


A common hurricane deductible in Florida is 2%.

AOP Deductible


An amount a homeowner must pay before insurance will cover the damage caused by all covered perils except hurricane.


A common AOP deductible in Florida is $1,000.

Property Valuation


Property valuation determines how an owner's posessions will be valuated for reimbursement.


Replacement Cost will pay out based on the cost it will take to replace the item with a new one.


Actual Cash Value will pay out based on the current value of an item. That means depreciation is taken into consideration.