home, property & flood insurance

Your home is your haven; let us help keep your real estate safe.

Tom Paterson Insurance Tallahassee

Your home is a lifetime investment. More than just shelter, it’s the place where your life happens. While protecting that investment is essential for peace-of-mind, the different coverage options and policy features can be confusing and overwhelming.

We work with 15 different companies for homeowners insurance coverage, so there are plenty of competitive options. All of our partner companies are A-rated and are strictly evaluated to ensure your confidence.

Call one of our agents today to talk about your homeowners insurance needs. We’re ready to answer any questions you might have and find you coverage that best fits your situation.

*Please note that homeowners coverage does not include flood insurance in the state of Florida.

Tom Paterson Insurance Tallahassee

Even if you don’t own your own home, you likely have property that should be protected from fire, theft and other potential losses. In many cases, your landlord’s policy won’t cover your losses.

For as little as $1 per day, you can protect your belongings in a rented property from loss due to theft, fire and even hurricanes. Contact us today for a quote and ask about bundling your auto insurance for a discount.

Tom Paterson Insurance Tallahassee

Did you know that you have a 26% chance of facing a flood during a 30-year mortgage, and that over 25% of all flood insurance claims come from areas that are not considered high-risk?

Much of Florida falls within those high-risk areas for flooding, but because the federal government runs a National Flood Insurance Program, home and property insurance typically doesn’t cover flooding. You can enter your address at FloodSmart.gov to find out your risk. Please contact our office today for more information on this important coverage.

umbrella insurance

Even with policies in place to cover your home, your car and other property, gaps in coverage can exist and be very costly. In the event of a loss, if you exhaust your existing policy limits, umbrella coverage will kick in and cover those additional costs. Lawsuits can often lead to extraordinarily high award amounts that would not be covered without umbrella insurance. Contact us today to ask about coverage options.