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Table of Contents
Insuring Your Home
Basic Coverage Availible
Replacement Cost Versus Actual Cash Value
Insurance Packages
Other Factors to Consider
How to Select an Insurance Agent
How to Select an Insurance Company
Options if You Can’t Find Coverage
Your Lending Institution
In Case of Loss
Policy Termination
Burglary Prevention
Your Rights and Responsibilities
Insurance Discrimination Against Victims of Abuse
Protecting Your Privacy
Community Outreach Programs
Insurance Fraud Costs Us All
Glossary

Charts and Diagrams
Declarations Page
The Loss Chart for Basic Policy
Homeowners Inventory Checklist

Most insurance agents are reputable professionals who are well-trained in their areas of expertise. When selecting an agent, choose one who is licensed to sell insurance in Florida. Also, choose one with whom you feel comfortable and who will answer your questions.

Remember, an agent can represent more than one insurance company. To verify whether an agent is licensed, call the DFS Consumer Helpline toll-free at 1-800-342-2762.

Agents must take classes and pass certain tests to become licensed. Some choose to take further courses to obtain additional professional designations.

These designations include:
CEBS ........ Certified Employee Benefits Specialist
CFP .......... Certified Financial Planner
ChFC........ Chartered Financial Consultant
CIC .......... Certified Insurance Counselor
CLU ......... Chartered Life Underwriter
CPCU ...... Chartered Property and Casualty Underwriter
LUTC ....... Life Underwriting Training Council Fellow
RHU......... Registered Health Underwriter