Why Horizon West Homeowners Choose Premier Group Insurance

Built for new construction: Quote carriers that reward 2015+ builds, impact protection, roof condition, and smart‑home devices.
Storm & lake aware: Balance hurricane/wind deductibles, apply wind‑mitigation credits, and consider lake‑adjacent exposures.
HOA/ARC friendly: We align coverage with community requirements for townhomes, detached homes, and screened/pool enclosures.

What Your Horizon West Policy Can Include

Wind, hurricane, hail, fire—configured for shingle/tile or metal roofs with code upgrade/ordinance 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 the lakes/wetlands?

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

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

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

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.

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

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