Why Dr. Phillips Homeowners Choose Premier Group Insurance

Built for lake & luxury living: Butler Chain exposure, docks/lifts, pools, and screen enclosures—dialed for wind & hurricane deductibles.
High-value protection: Extended dwelling coverage, valuables riders (jewelry, fine art), water backup, and higher liability limits.
Better fit, better price: We compare 20+ carriers to match limits, endorsements, and credits to your home and lifestyle.

What Your Dr. Phillips Policy Can Include

Wind, hurricane, hail, and fire—configured for tile/architectural roofs and lake exposure with wind-mitigation credits applied.

Replacement cost on contents—furniture, appliances, and electronics—so claims aren’t reduced by depreciation.

Higher limits plus optional umbrella for asset protection around pools, docks, watercraft, and hosted events.

Water backup, screen/pool enclosures, ordinance/code, scheduled valuables, and loss assessment where applicable.

Do lakefront homes on the Butler Chain need separate flood insurance?

Yes—standard home policies exclude flood. We check FEMA maps for your parcel and quote NFIP and private flood options to close the gap.

Can I insure docks, boat lifts, and large screen enclosures?

Most carriers require endorsements or sub-limits. We place the proper endorsements and align hurricane/wind deductibles with your risk tolerance.

How do I cover jewelry, watches, and fine art?

We can schedule valuables for broader coverage and minimal deductibles, and add an umbrella for higher liability protection.

Tell us a little about your property—we’ll compare 20+ carriers and send options fast.

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