Homeowners Insurance
Protect your home and its contents with coverage designed for Lennar homes.
Homeowners Insurance
Protect your home and its contents with coverage designed for Lennar homes.
Overview
Why Homeowners Insurance?
Your new Lennar home is one of your most significant financial investments. Homeowners insurance protects you against unexpected losses — from storm damage and fire to theft and liability claims. If you’re financing your home, your lender will require it. Even if you own outright, the right policy gives you the peace of mind to enjoy your home without worry.
Coverage
What's Included
A standard homeowners policy covers your home’s structure, your belongings, liability, and more. Here’s what each part protects.
Dwelling
Covers the physical structure of your home if it’s damaged by a covered peril such as fire, windstorm, hail, or vandalism. Coverage should reflect the current cost to rebuild your home — not its market value. The recommended coverage amount should equal the current cost to rebuild your home in your area; land value should not be included. Detached structures such as swimming pools, driveways, fences, and sheds are not included in dwelling coverage.
Other Structures
Extends to detached structures on your property — like fences, sheds, or a detached garage — damaged by the same covered perils.
Personal Property
Protects your belongings — furniture, appliances, electronics, clothing, and more — from damage or loss. We recommend a replacement cost endorsement so you’re covered at today’s prices. Personal belongings, such as jewelry, will need to be listed separately on your policy. Additional “jewelry and valuables” coverage is available.
Additional Living Expenses
If your home becomes uninhabitable due to a covered loss, this pays for temporary housing and increased meal and laundry costs while repairs are made.
Personal Liability
Covers you if someone is injured on your property or you’re held legally responsible for damage to others’ property. Consider pairing with an umbrella policy for additional protection.
Medical Payments to Others
Pays for medical expenses for guests injured in an accident on your property.
Deductibles
The deductible is the amount you pay toward a settled claim. When your insurance company writes a check for the claim, it is decreased by the deductible amount shown on your policy.
Deductibles can be increased, resulting in a premium savings; or lowered, resulting in an additional premium charge.
Deductibles may be different for certain perils depending on the location of your property. For example, in coastal locations where windstorm is a threat, the windstorm deductible may be higher than the deductible for other covered perils.
Consider the Right Protection for Your Property
Flood Insurance
Coverage for flooding not included in your homeowners policy.
Earthquake Insurance
Coverage for seismic events not included in standard policies.
Condo Insurance
Safeguard your living space, personal belongings, and more.
Renters Insurance
Protection for tenants — personal property, liability, and more.
Umbrella Insurance
Extra liability protection beyond your policy limits.
Auto Insurance
Bundle with your home policy for additional savings.
Consider the Right Protection for Your Property
Flood Insurance
Coverage for flooding not included in your homeowners policy.
Earthquake Insurance
Coverage for seismic events not included in standard policies.
Condo Insurance
Safeguard your living space, personal belongings, and more.
FAQ
Common Questions
What does a homeowners policy actually cover?
A homeowners policy is a bundled policy that safeguards you against several types of potential losses, including physical damage to your home, loss or damage to your belongings, temporary living costs if your home becomes uninhabitable, and financial protection against liability or medical claims.
Why should I choose Lennar Insurance Agency?
We work with many of the most reputable insurance carriers in the country. Our knowledgeable, licensed agents take the time to understand your individual needs and match you with the right coverage at the right price — all backed by a personal level of service that makes the process smooth and straightforward.
What is additional living expense coverage?
If a covered event forces you out of your home, this portion of your policy helps offset the added costs of temporary housing and daily living expenses — like hotel stays and meals — beyond what you would normally spend.
What does personal liability protection include?
Personal liability coverage shields you financially if someone is injured or their property is damaged due to your negligence, whether the incident occurs on or off your property. Coverage applies up to the limit specified in your policy and does not extend to auto, business, or criminal-related incidents.
How does a deductible work?
Your deductible is the portion of a claim you are responsible for paying. When a claim is approved and paid, your insurance company issues a payment for the total approved amount minus your deductible. Adjusting your deductible up or down can impact your premium accordingly.
Can I keep my policy after I pay off my mortgage?
Absolutely. Once your loan is paid in full, please let us know right away so we can remove your lender from the policy.
What should I do if my mortgage company changes?
Contact our customer service team as soon as possible so we can update your policy with the new lender’s information. Policies sometimes lapse due to missed payments when renewal notices are sent to an outdated lender — so keeping this information current is important.
Why Choose Lennar Insurance Agency?
Top-Rated Carriers
We shop your coverage across the most respected insurers in the country, so you get strong protection and a competitive rate — without doing the legwork yourself.
Personal Touch
You’re not a policy number. Our licensed specialists get to know your situation and recommend coverage that fits your life — and they’re a phone call away when things change.
Simple Claims Process
When something happens, we’re in your corner. We will guide you through every step — from filing to resolution.
Coverage Built Around Real Life
Get the right protection for your Lennar home — fast, simple, and tailored to you.
New Lennar Homebuyer?
Signed a contract for your new Lennar home? View your insurance quote here.
Already a Customer?
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