Insurance Disclaimer
Effective September 30, 2026
General information
Coverage descriptions on this website are brief summaries for informational purposes. They do not amend, replace, or interpret an insurance contract. The issued policy and its endorsements determine actual coverage.
Coverage and discounts
Coverage, carrier participation, rates, and discounts are subject to underwriting and eligibility. Inspection requirements and potential Wind Mitigation discounts vary by insurer and property. No specific premium reduction or claim outcome is guaranteed.
Flood and umbrella coverage
Standard homeowners policies generally do not cover flood damage from rising water. Separate flood coverage may be needed. Umbrella policies have underlying coverage requirements and their own terms, exclusions, and limits. Speak with Carmen about your particular circumstances.
No binding coverage through the form
This website form is for quote inquiries. It must not be used to bind coverage, request immediate policy changes, report emergencies, or assume that a claim has been filed. Contact the agency or your insurer directly for policy or claims assistance.
Questions about your policy
For personal guidance, call (863) 320-0427 or email Carmen@FamiliaLg.com.