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Real People. Real Results.

"What amazing service and great rates! I cannot recommend them enough and as a Realtor I truly appreciate the service they give to my clients. Thank you Darren Craft"
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Jon Allen
"Excellent pricing, and unparalleled customer service. Extremely satisfied"
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Jon-Erik Frederickson
"Have successfully worked with Worth Insurance on not just homeowners but my car insurance as well. Loved the professionalism the entire team has, and appreciate the attention to detail and customer experience they provided."
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Ryan P
"Very professional staff was able to address all my questions in a timely knowledgeable manner. We will be using Worth for our insurance needs"
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Chris Radentz
"Worth Home Insurance was outstanding especially agent Alex Lopez professional approach."
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Jiggs Hospitality
"Alex returned all my calls, answered all my questions and worked tirelessly to find homeowners’ insurance for our home in Florida. He earned my trust because of his honesty and his persistence."
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Cindy Burkhart
"Excellent pricing, and unparalleled customer service. Extremely satisfied"
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Jon-Erik Frederickson
"Very professional staff was able to address all my questions in a timely knowledgeable manner. We will be using Worth for our insurance needs"
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Chris Radentz
"Have successfully worked with Worth Insurance on not just homeowners but my car insurance as well. Loved the professionalism the entire team has, and appreciate the attention to detail and customer experience they provided."
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Ryan P
"Super helpful and professional! Highly recommend!!"
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Brent Craft
"Super helpful and professional! Highly recommend!!"
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Brent Craft
"Very professional staff was able to address all my questions in a timely knowledgeable manner. We will be using Worth for our insurance needs"
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Chris Radentz
"Excellent pricing, and unparalleled customer service. Extremely satisfied"
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Jon-Erik Frederickson
"Alex returned all my calls, answered all my questions and worked tirelessly to find homeowners’ insurance for our home in Florida. He earned my trust because of his honesty and his persistence."
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Cindy Burkhart
"Alex Lopez was great! Very responsive and will work his tail off for you."
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scott cordella
"I had a great experience with this agency. They gave me very prompt quotes and were responsive and helpful. Highly recommended!"
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Melanie Davis
"I know the team at Worth personally and they operate with the utmost integrity and always go the extra mile for their clients. I highly recommend Worth Insurance."
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Daniel Tighe
"Great experience from start to finish!"
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Shelby Hodges
"What amazing service and great rates! I cannot recommend them enough and as a Realtor I truly appreciate the service they give to my clients. Thank you Darren Craft"
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Jon Allen
"Very professional staff was able to address all my questions in a timely knowledgeable manner. We will be using Worth for our insurance needs"
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Chris Radentz
"Alex Lopez was great! Very responsive and will work his tail off for you."
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scott cordella
"I know the team at Worth personally and they operate with the utmost integrity and always go the extra mile for their clients. I highly recommend Worth Insurance."
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Daniel Tighe
I needed to replace high cost hazard insurance with something more affordable and with similar coverage. Alex Lopez came through with a great policy and in the timeframe needed. He saved me a bundle! Looking forward to working with him again!
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Karen Tronolone
"What amazing service and great rates! I cannot recommend them enough and as a Realtor I truly appreciate the service they give to my clients. Thank you Darren Craft"
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Jon Allen
"Worth Home Insurance was outstanding especially agent Alex Lopez professional approach."
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Jiggs Hospitality
"Great experience from start to finish!"
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Shelby Hodges

Top Carriers. Great Rates. Quality Coverage.

Our Coverages

We're here to help you make the most of your insurance . Worth Was borne out of the first hand frustration with the home insurance experience. Our process and team make it quick and easy to find the best value policies and protect against the unexpected. Let's take home insurance of your to do list and say hello peace of mind.

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Home

This first section of coverage provides coverage for the actual home itself. It is important that the value limit of this coverage be set to at least the amount equal to what it would cost to rebuild your home, otherwise known as your replacement cost coverage. Mortgage lenders also require for homes to be insured at least to their replacement cost.

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Other Structures

The Other Structures section provides coverage for other structures on your property. Some examples include fences, sheds, and detached garages. Typically this coverage is set to about 10% of your Coverage A, but it should be adjusted up if there is a need for increased coverage limits.

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Personal Property

Section C of the policy provides coverage protection for personal belongings. One easy way to describe what this covers is if a house was to be turned upside down and shaken, what would fall out is what would apply to this coverage section. Examples of personal property include, furniture, electronics, clothes and toys.

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Loss of Use

This coverage provides for reimbursement for additional living expenses in the case that a covered peril caues damage to your home that makes it unlivable. In this case you may need to move out of the home and rent a different home or a hotel room in the interim. Typically this is limited in terms of time and cost defined by the policy.

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Personal Liability

Coverage E is the policy's provision for liability coverage. This section provides protection against things like medical bills and legal fees if someone happens to be injured on your property or in the case you are found liable, ie if your dog bites someone. Certain factors can make your home more risky in this regard. Examples include trampolines and pools. It is important to safeguard these areas of your home from children.

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Medical Payment

The final section of the policy is Coverage F. This section provides protection against payments for minor medical bills to those injured on your property. The typical coverage amount for a standard policy is limited to $5,000 per claim. It is possible for this portion of the policy to provide a payout even when the injury was not your fault.

Frequently Asked Questions

Flood insurance is the most common cause of loss from a natural disaster.

What does flood insurance cover?

Flood insurance covers losses directly caused by flooding. Flooding is defined as rising water. It is defined as an excess of water on land that is normally dry, affecting tow or more acres of land or two or more properties.

Am I required to purchase flood insurance?

States do not require homeowners to purchase flood insurance. If a home is in a high-risk flood zone, as determined by FEMA, a lender will typically require the homeowner to purchase and maintain flood insurance at all times.

Why is flood insurance so expensive?

Insurance premiums are based on risk of loss. The higher the probability of loss, the higher the cost to insurance against that risk. The more likely a home is prone to flooding, the more expensive the flood insurance will be.

Are flood insurance claims common?

Floods are the most common type of natural disaster in the world. Over 40% of natural catastrophes involve flooding.

What is an elevation certificate?

An elevation certificate (EC) is a document that is prepared by a licensed surveyor. It should include the FEMA's Flood Insurance Rate Map, flood elevation, flood zone, and other details about the building.

Does my home insurance cover flood damage?

Home insurance, or homeowners insurance, does not typically cover damages or losses caused by flooding. It is recommended that homeowners purchase a separate flood insurance policy to protect against this risk.

What does FEMA stand for?

FEMA is short for the Federal Emergency Management Agency. It is an agency of the United States Department of Homeland Secuirty. It was initially created under President Jimmy Carter.

What does NFIP stand for?

NFIP is short for the National Flood Insurance Program. It was created in 1968 by the Congress of the United States. The program has two purposes. The first purpose being to share the risk of flood losses through flood insurance. The second to reduce flood damages by restricting floodplain development.

Is Additional Living Expense covered by flood insurance.

Additional Living Expense is not typically covered by flood insurance.

What are the Special Flood Hazard Area Zones?

Zones V, VE, A or AE are all designated as special flood hazard area zones. This means that these properties are projected to have a greater than one percent change of flooding in any given year.