CIOLA & ASSOCIATES
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Homeowner Insurance/ Renters Insurance

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Generally, covered properties are divided into four separate categories. The definitions of the property, and the extent of coverage vary by state, company and product. So it is important for the consumer to understand the definitions of the covered property. The four separate categories for your home, as defined by insurance companies, are:

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1. Dwelling – The structure of the house is considered a covered property.

2. Other Structures – These are structures that are separate from the house, or connected to the house by a fence, wire or other form of connection, but not otherwise attached to the dwelling, such as a tool shed or detached garage.

3. Personal Property – The contents of your home are your personal property. This includes furniture, appliances and clothing. Not all personal property is covered. Items more appropriately covered under different forms of insurance may have limited or no coverage for loss. These items include, but are not limited to, money, jewelry and firearms.

4. Loss of Use – When a loss occurs due to a covered peril and the dwelling becomes uninhabitable, the cost of additional living expenses is covered. Reimbursement of additional living expenses covers the cost to the insured for maintaining a normal standard of living.

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Ciola & Associates Inc. 2222 Ponce de Leon Blvd. Ste. 300 Coral Gables Fl. 33134
  • Home
  • Life & Health Insurance
    • Health Insurance (Perm)
    • Supplement/Gap Ins.
    • International/Travel Ins.
    • LTC Insurance/Disability Ins.
    • Life Insurance
    • Retirement Plans
    • Medicare Supplements
  • Property and Casualty Ins.
    • Homeowners/Renters/Flood Ins.
    • Commercial Property Ins.
    • E&O/Malpractice Ins.
    • Inverstor Liability/Umbrella Ins.
    • General liability ins.
    • Workers comp. Ins.
    • Auto/Boat/ Motorcycle/ATV'S Ins.
    • Package Policies P&C
    • Contacts for Insurance Claims
  • Make a Payment
  • Contact Us
    • Contact Us
    • Team
    • Marketplace
    • Cancellations Policy
    • Amazon Chime
    • ACH Form for Payment
    • Open Enrolment Appointments