Homeowners


A home is probably the biggest investment you will ever make, so our goal is to ensure it will always be there for you and your family. Tami Karol Insurance understands that so we make sure you’ve got the right coverage for hurricanes, weather-related catastrophes, fires, burglary, vandalism and liability—we give you more than a policy, we give you insurance strategies and solutions that will meet your family’s needs and stay within your budget.

With home values and replacement cost in a constant state of flux, you need help to determine how much coverage you actually need. We’ll also explain the pros and cons of higher or lower deductibles and optional coverage for specific items such as exterior add-ons and screen enclosures. We like to make the analogy that insurance coverage is like a salad bar, once you have the basics covered, you can pick and choose your toppings to customize just the right coverage for your current needs. Once you feel comfortable with our strategy, we’ll search out the best possible price and make sure you understand your policy.

And, Tami Karol doesn’t stop there—we also give you tips on how you can actually lower the cost of your homeowner’s insurance with a roof inspection, wind mitigation report or the addition of storm shutters—simple fixes that can often save the homeowner hundreds of dollars in insurance premiums.

Okay, ask why we’re so interested in lowering the cost of your insurance—it’s because Tami Karol Insurance is not your ordinary insurance agency; we get most of our business from referrals and we believe that a happy customer is our best advertisement.