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Homeowner's Insurance

Whether you are a first-time home buyer, a current homeowner with questions or concerns about your existing policy, just purchased the retirement home of your dreams, or are seeking coverage for your condominium or mobile home, O.E. Wilson will help you find quality coverage at competitive prices that meet your needs. We carefully asses your property and your coverage needs and develop options for you from the many companies we represent.

Our goal is to present you with options from the many highly rated companies we represent, and assist you in determining which company best meets your unique and specific set of needs.

Knowledge of the Florida Market

From coastal exposures, older homes, condominiums mobile homes, to retirement communities, it is important to have an experienced and knowledgeable agent working to place coverage on your behalf.  We understand the Florida market, and will leverage our long-standing company relationships to provide you with comprehensive coverage at competitive prices.

Get the O.E. Wilson Advantage – Contact Us Today!

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35 Years of Providing Property and Casualty Insurance to our Customers

Experience Matters!  Florida’s property markets are unique and can be complicated.  Our agents have over 75 years of combined experience writing property insurance in the state.  When combined with our extensive company resources, we can create a valuable and powerful tool for our clients to use when insuring their most valuable assets.  Let us put our experience to work for you.

Creating Options and Flexibility

By developing a comprehensive evaluation of different companies and coverages, we accomplish several important goals: (i) we eliminate the possibility of there being any gaps in coverage, and (ii) it gives the customer a road map to fully understand the coverage that you are purchasing, including those coverages that are essential, and which steps that you can take and those options that are available to you to help possibly reduce costs.

Exceptional Customer Service

From the initial inquiry, through the sale and especially through the claims process, you will have the full attention of our experienced team.  We take our obligations to our customers seriously.  We are always available for any questions or concerns that you may have.  Our goal is to meet your insurance coverage needs while exceeding your customer service expectations.

Homeowner's Coverages

Homeowner’s Insurance coverage provides the client with financial protection against loss due to catastrophic events, theft, vandalism and accidents.  The standard homeowner’s policy includes coverage for the structure, personal property, personal liability, and additional living expenses.  A common misunderstanding, your homeowner’s insurance does not pay for damage caused by flood.  Flood policies are written separately and cover the single peril of rising water.  Contact us to learn more about flood insurance, and to get a flood quote in minutes.

The main types of coverage in a homeowner’s policy are described below:



Coverage protects your home and those structures attached to your home from damage due to fire, hurricane, hail, lightning or other perils listed in the policy such as theft or vandalism. Your homeowner’s policy is structured to provide sufficient financial resources to replace the home in a total loss.

Personal Property


Protects you for the value of your personal possessions (such as clothing, furniture, appliances, and other items from losses such as fire, hurricane, theft, vandalism, or other perils listed in the policy. A home inventory is typically the best way to determine the amount of coverage you will need on your policy.

Personal Liability


Covers the insured against liability claims for bodily injury or property damage caused by you to other people. The amount of coverage can be adjusted to meet your specific needs. Higher levels of liability coverage, in excess of the limit on your homeowner’s policy, can be obtained through a Liability Umbrella.

Other Structures


Will cover damage to structures that are not attached to your dwelling, such as: fences, sheds, detached garages, and guest cottages.

Loss of Use Expenses


Will provide funds for the cost of living away from your home in the event that you cannot live there due to damage from an insured loss. There are typically limits on the amount of coverage provided and the time this coverage is available for use.

Medical Payments


Pays the medical expenses for people who are injured on your property.

Get the O.E. Wilson Advantage – Contact Us Today!

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