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Home Owners’ Insurance


As one of the most prized possessions of your life, your home needs insurance coverage that protects you from all types of unforeseen and/or unfortunate events.

Your Homeowner’s Insurance Policy will cover the following (amongst others):

  • Damage to your home, and other structures on your property
  • Personal property, such as furniture and other household items
  • Fire and smoke damage
  • Theft and vandalism
  • Personal liability coverage in case someone gets injured on your property
  • Loss due to fire and explosion
  • Loss due to water damage

Find out how Koski & Co. Insurance Agents can meet your individual insurance needs.  Fill out our no-obligation Quote Form, or call us now.

Condominium Insurance

Florida law mandates a minimum standard of coverage that your condominium association must provide. The association policy covers all collective property listed in the policy, including the structure itself and any appliances that come with it. Examine your association’s policy to learn what it covers.

It is now necessary for each owner of a condominium unit in the State of Florida to provide proof of homeowner’s insurance including “loss assessment” coverage in the amount of $2,000 and name the association as an additional named insured on the “certificate of coverage” submitted to the condominium association as proof of coverage.

It is important that you know your own responsibilities and those of your condominium association. The policy you buy as a condominium owner covers items in the unit that are your responsibility. In addition to personal possessions like clothing and furniture, this also will typically include the unit’s paint or wall paper, window treatments and carpets or other floor coverings. This is known as “covering everything from the paint in” for your unit. 

Find out how Koski & Co. Insurance Agents can meet your condominium insurance needs. Send us an email, simply fill out our no-obligation Quote Form, or call us now.

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Koski & Co. Insurance Agents
9875 Sunset Drive
Miami, FL 33173
Phone: (305) 595 2127