A: We offer several convenient payment options. You can pay over the telephone or online by bank draft or credit/debit card. You can also mail us a check. You can take advantage of our variety of payment plans: Full payment, a two-payment plan or a quarterly-payment plan.

A: Our installment plan includes an annual $10 service charge and an additional $3 for each installment. For example, if you selected our quarterly plan, the total installment fee would be $19 ($10 for the service charge for the first payment and three installment fees of $3 each).

A: Yes! All you need to do is visit the Customer Service section of this website, under Current Customers.

A: Yes! All you need to do is visit the Customer Service section of this website, under Current Customers. There is no additional fee for this convenience. However, please refer to the question on installment fees.

A: We accept American Express, Master Card and VISA.

A: We received our Certificate of Authority to transact business as an admitted carrier in Florida on March 6, 2008.

A: People’s Trust is proud to have been assigned a Financial Stability Rating® of A, Exceptional by Demotech, Inc., a financial analysis and actuarial consulting firm in Columbus, Ohio. The most current rating can be verified by visiting www.demotech.com.

A: We use only A-rated reinsurance carriers in addition to reinsurance issued by the Florida Hurricane Catastrophe Fund.

A: People's Trust Insurance Company is an admitted carrier approved by the Office of Insurance Regulation (OIR) and protected by Florida Insurance Guarantee Association (FIGA). We have reinsurance carriers backing us (with a minimum rating of A) who are approved by the financial industry. You may investigate our licensing at your convenience at the Florida Department of Financial Services website www.myfloridacfo.com/.

A: Homeowners can receive substantial credits for constructing their homes with windstorm mitigation features that withstand or are more resistant to high winds. Generally a Wind Mitigation Inspection is needed to determine which credits apply to a home. Click here for home inspection services from our affiliate company, Rapid Response Team.

A: We offer credits for burglar and/or fire alarms that are monitored by a central station. You must provide a current alarm certificate, dated within the last year, from the monitoring company to receive credit.

A: You will see two deductible amounts on your declarations page of the policy, the All Other Peril (AOP) deductible and the Hurricane Deductible. The Hurricane Deductible will only apply in the event that you have property damage from a named hurricane. The AOP Deductible applies to all other covered losses.

A: To provide you with the most accurate quote, please have the following documents available when you call our office:

• Your current homeowners policy documents.
• Any Windstorm Inspection completed within the past 5 years.

A: Some homes, based on certain criteria, may be required to obtain a 4-Point inspection to determine their eligibility for our coverage. These inspections focus on four main areas in a home:

• HVAC (Heating, Ventilation and Air Conditioning)
• Electrical Wiring
• Plumbing Connections and Fixtures
• Roof

The 4-Point inspection describes the condition and age of these four areas of interest. In order to keep our rates low, we aim to insure homes that are newer and properly updated/maintained as their loss experience is typically better. Click here for home inspection services from our affiliate company, Rapid Response Team.

A: A home inspection will typically only tell us the age of the roof, not its physical condition. We may require physical inspections of your roof to ensure that it is in good condition. While roofs are typically designed to last between 15 and 25 years, they do begin to show signs of normal deterioration depending on the original quality, method of installation and maintenance.

A: The wind mitigation inspection report provides the wind mitigation features installed in your roof; however, it does not provide information about the roof’s physical condition.

A: We can insure homes that are in the course of construction only if the home is within 30 days of being completed and occupied by the owner of the home. We will also allow for minor renovations in which the property owner continues to live in the residence.

A: No, A homeowners insurance policy does not includes flood coverage (at any company); however, we can provide you with access to a policy from the National Flood Insurance Program (NFIP) for limits up to $250,000 on dwellings and $100,000 on contents. Click here to learn more about Flood insurance.

A: No, there is no coverage for any personal property that is used for business purposes. Nor is there coverage for any business related activities.

A: Yes, in every homeowner policy there are stated value limitations for specific items. For example, there is a $1,000 limit for loss by theft of jewelry, watches, furs, precious and semi-precious stones. Additional coverage may be available, please speak with our Sales Representative to discuss your specific needs.

A: The standard homeowners policy includes coverage for your personal property at Actual Cash Value that factors in depreciation at the time of loss. If you select the Personal Property Replacement Cost coverage endorsement, for an additional premium, we will settle losses to your specific personal property at the current replacement cost without considering depreciation. The Personal Property Replacement Cost endorsement also provides replacement cost for several building items that would otherwise be limited to Actual Cash Value. This includes: awnings, carpeting, household appliances, and outdoor antennas/outdoor equipment.

A: Ordinance or Law Coverage provides coverage for loss or damage caused directly or indirectly by the "enforcement of any ordinance or law: regulating the construction, use or repair of any property; or requiring the tearing down of any property, including the cost of removing its debris." Should your home be extensively damaged by a covered peril, you may be required to bring parts of your home up to the current building codes. Our policy provides 25% of Dwelling Coverage A for Ordinance or Law Coverage at no additional charge with an option, for an additional premium, coverage up to 50% of Dwelling Coverage A.