Home Insurance

We specialize in custom homeowners insurance policies that cater specifically to your lifestyle and property needs. We understand that every homeowner is unique, and our mission is to provide coverage that ensures your peace of mind at home.

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About Insurance

What Is Home Insurance?

Many people see homeowners insurance as just another box to tick—something they’re legally required to have but hope they'll never actually need. At MK FL Insurance, we view it differently. We believe homeowners insurance is not just a mandatory requirement but a vital part of your financial security and peace of mind. It’s about protecting not just your property but also the possessions and livelihoods it houses.

In our unpredictable world, even a minor home issue can escalate into a costly affair. With MK FL Insurance’s comprehensive homeowners insurance, you can steer clear of such worries. We ensure that you’re covered for the unexpected, so a simple leak or break-in doesn’t turn into a major financial burden. Our policies are designed with your needs in mind, ensuring that you feel secure and supported, no matter what challenges your home may face.

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Trusted Partners

The carriers we are contracted with

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Home Insurance Coverages

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Property Damage

Covers damage to your home and structures on your property due to events like fires, storms, and vandalism.

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Loss of Use

Offers financial assistance for additional living expenses if your home is uninhabitable after a covered loss.

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Dwelling Coverage

Pays for repairs or rebuilding of your home if it's damaged by insured events such as a fire or severe weather.

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Personal Property

Protects belongings inside your home, such as furniture, electronics, and clothing, against theft, damage, or destruction.

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Liability Protection

Provides coverage if someone is injured on your property, or if you or a family member causes damage to others’ property or injury.

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Medical Payments to Others

Covers medical expenses for guests injured at your home, regardless of who is at fault.

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Additional Structures

Provides coverage for structures on your property not attached to your house, like garages, sheds, and fences.

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Flood Insurance

Protects your home and possessions from flood damage, typically excluded from standard homeowners policies.

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Frequently Asked Questions

Insurance is a financial arrangement in which an individual or entity pays a premium to an insurance company

Homeowners insurance typically covers damage to your home from fire, storms, and other disasters, theft of personal property, and liability for injuries that occur on your property.

The amount of homeowners insurance you need depends on the cost to rebuild your home, the value of your personal possessions, and the level of liability protection you desire.

Homeowners insurance does not typically cover damages from floods, earthquakes, or routine wear and tear. Separate policies are required for flood and earthquake insurance.

You can reduce your premiums by installing security devices, using fire-resistant building materials, updating your home's electrical and plumbing systems, and raising your deductible.

If your home is damaged or destroyed, document the damage with photos or video, save receipts for any repairs or temporary living expenses, and contact your insurance company as soon as possible.

Mold damage is only covered by homeowners insurance if it's a result of a covered peril, such as water damage from a burst pipe. Coverage for mold that results from neglected maintenance is not included.

Liability coverage protects you if someone is injured on your property or if you or a family member accidentally damages someone else's property. It can help pay for legal expenses and settlements.

Homeowners insurance covers theft by reimbursing you for stolen items and, in some cases, damage to the home resulting from a break-in, depending on your policy limits and terms.

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Don't wait until it's too late—secure your coverage now and enjoy the peace of mind that comes with knowing you're protected.