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Homeowners Insurance

Comprehensive coverage for condos, townhouses, personal property, big homes and liability protection.

Your home is your most significant investment. At Univista Insurance Cuatro Pilares, we provide the peace of mind that comes with knowing your property is fully protected. Our mission is to deliver tailored coverage at competitive rates that fit your lifestyle and your budget.

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Coverages for Homeowners

Unexpected disasters like fire, vandalism, and hurricanes can come at any moment. That’s why we offer reliable and affordable protection designed to protect your home against anything unpredictable.

Comprehensive protection for your largest investment which is your home, focused on total replacement value and better storm coverages in Florida.

Choosing a reputable, accredited agency is essential when protecting your home. Univista Insurance Cuatro Pilares features a team of licensed professionals dedicated to finding the best coverage that aligns with your needs and your budget.

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The HO3 is the most popular homeowners insurance policy in the U.S. because of its comprehensive nature. It provides broad-range protection for your home’s structure, your personal belongings, and personal liability, ensuring you are covered against a wide variety of risks.
Commonly known as Renters Insurance, the HO4 policy is designed for those leasing a home, condo, or apartment. Since a landlord’s policy only covers the building, an HO4 is essential to protect your personal belongings and provide you with personal liability coverage inside your home.
Commercial liability is a must-have for any business. It’s essential to understand exactly what is—and isn't—covered. Call Univista Insurance Cuatro Pilares today at (786-628-3439), and let one of our licensed agents walk you through your General Liability options.
The HO6 is the standard policy for condo and townhouse owners. It specifically provides "walls-in" coverage for your unit’s interior, while also insuring your personal property and providing essential liability protection.
The DP3 is the most comprehensive option for landlords in the U.S. As an "Open Perils" policy, it covers a much wider range of risks compared to DP1 or DP2 forms, offering superior protection for your real estate investment. Examples of losses that be covered: Interior damage to the dwelling from windstorm when there is no exterior building damage and theft of property that is an integral part of the dwelling.
Flood Insurance protects your home and additional structures—including interior and exterior walls, roofing, furniture, and appliances—from direct damage caused by rising water, mold, and mudslides. It is crucial to understand that flood damage is typically NOT a covered peril in a standard homeowners policy. To ensure your assets are fully protected, coverage must be purchased through a standalone Flood Insurance policy or added to your current homeowners policy as an endorsement, where available.
No, flood damage is typically excluded from standard policies. You must purchase a separate Flood Insurance policy to protect your home and belongings from rising water, mold, or mudslides.
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