Not all home, condo, renters or mobile home policies are created equally, thus do not provide the same coverage. You can have cheap, super cheap or an adequate and fair premium for the coverage's you need.
Our goal is to find the best coverage that fits your needs at the best premium.
Like we said on the home page, we treat your personal concerns and situations as if they were our own.
The following coverage summaries are not intended to represent or provide a subsitute for the actual explanation of coverage listed in the policy.
All of our carriers are either A.M. Best rated or Demotech A rated companies.
Carriers:
American Strategic Insurance Company
Ark Royal Insurance Company
American Traditions Insurance Company
Citizens Property Insurance Corporation
Cypress Property & Casualty Insurance
Florida Family Insurance
Modern USA
Southern Fidelity Insurance
Sunshine State Insurance Company |
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Policy Types:
Apartment
Condo
Contents Only
Mobile Home
Multi-Family Residence
Primary Residence/Dwelling
Rental Property
Secondary/Seasonal Residential
Single Family Home
Town House
Coverage's:Dwelling –
The dwelling is a residence premises use principally as a private residence, including structures attached to the dwelling.
Other Structures –
Structures on the residence premises, separated from the dwelling by clear space. Structures connected to the dwelling by only a fence, utility line, or similar connection are considered to be other structures.
Personal Property –
Personal property owned by the insured while it is anywhere in the world. Personal property usually at any insured's residence, other than the primary residence is 10% of the limit of coverage C, personal property.
Loss of Use –
Additional living expense, if a covered loss makes the residence premises non-livable, the company covers any necessary increase in living expenses incurred by you so that your household can maintain it's normal standard of living. Payment shall be for the shortest time required to repair or replace the premises.
Personal Liabilty –
If a claim is made or a suit is brought against any insured for damages because of bodily injury or property damage to which coverage applies the company will pay.
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A) Pay up to the limit of liability for the damages for which the insured is legally liable |
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B) Provide a defense at their expense by counsel of their choice. Their obligation to defend any claim or suit ends when the amount they pay for damages resulting from the occurrence equals the limit of liability. |
Medical Payments –
The necessary medical expenses incurred or medically ascertained within three years from the date of an accident causing bodily injury. This coverage does not apply to you or regular residents of your household other than resident employees.
Covered Perils –
Fire, Lightening, Hail
Sinkhole
Water Damage
Theft
Hurricane
Windstorm or hail
Vandalism or Malicious Mischief
Riot or Civil Commotion
Ordinance or Law
This is not a complete list of covered perils and some companies exclude some perils. Ask your agent for a complete list of the covered perils.
Tom Jones Insurance, Inc.
151 College Drive, Suite 3
Orange Park, FL 32065
(904) 276-9350
(904) 276-9356 fax
tjonesinsurance@comcast.net
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