Why Hamlin Homeowners Choose Premier Group Insurance

New‑build strengths: We target carriers that reward 2015+ construction, impact protection, and roof condition common in Hamlin.
Storm & lake aware: Right‑size hurricane/wind deductibles, apply wind‑mitigation credits, and address lake/wetland exposures.
HOA/ARC friendly: Coverage aligned to community requirements for detached homes, townhomes, and screened/pool enclosures.

What Your Hamlin Policy Can Include

Wind, hurricane, hail, fire—configured for shingle/tile or metal roofs with ordinance/code upgrade coverage where applicable.

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

Higher limits plus optional umbrella for asset protection—great for pools, pets, golf carts, and frequent guests.

Walls‑in coverage, betterments & improvements, and loss assessment—synced to your association’s master policy.

Do I need separate flood insurance near lakes or wetlands?

Home policies exclude flood. We check FEMA maps for your address and can quote NFIP or private flood if risk warrants it.

Can I cover solar panels, screens, or a pool?

Yes—endorsements for screen/pool enclosures and solar equipment are available; we’ll compare carriers that price these fairly.

How do I match coverage with my HOA/townhome association?

Send the master policy/CC&Rs. We’ll align your HO‑3/HO‑6, add loss‑assessment if needed, and size deductibles to your tolerance.

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

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