“Add something here about insurance.”
Brad Raulerson
CEO, Fernandina Beach Office

Auto Insurance

Why do I need Auto Insurance?

Information goes here.

Home Insurance

Why do I need Home Insurance?

Information goes here.

Renters Insurance

Why do I need renters insurance?

Renters insurance policies provide protection if your personal property is damaged, stolen, or destroyed. The named perils your renter’s insurance likely covers may include, but is not limited to:

  • Fire or lightning
  • Windstorm/ Hurricane
  • Smoke
  • Vandalism or malicious mischief
  • Theft
  • Water-related damage from plumbing, heating or A/C units

Flood damage is NOT covered and requires a separate policy.

What does renters insurance cover?

A standard renter’s insurance policy provides coverage for the following:

Personal property: Provides protection for your personal property, such as furniture, clothing, and electronics. This coverage limit is chosen by you when you purchase the policy.

Loss of use: Additional expenses you incur when your rental property cannot be used because of an insured loss. This part of the policy will usually only cover around 10-20% of your personal property value.

Personal liability: Covers damages to others for which you are held liable, unless there is policy exclusion.

Medical payments for others: Pays for medical expenses for minor injuries to others even if you are not at fault. A typical policy includes limits of $1000-$5000 per person.

Condo Insurance

Why do I need Condo Insurance?

Condo insurance provides financial protection against disasters. A standard policy insures the condo itself and the things you keep in it. Condos insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family may cause to other people. Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods and poor maintenance. You must buy a separate policy for flood coverage. Maintenance-related problems are the condo owners’ responsibility.

What does Condo Insurance cover?

Dwelling/building additions and alterations

Covers the house and attached structures for accidental direct physical loss except those losses excluded by the policy. This includes built in or attached items such as built in appliances or wall-to-wall carpet.

Applicable to condominium unit owners. Policies cover the following building items that the condominium unit owner is responsible for:

  • Floor, wall and ceiling coverings
  • Electrical fixtures
  • Appliances
  • Air conditioning and/or heating equipment
  • Water heaters
  • Water filters
  • Built-in cabinets and countertops
  • Window treatments
  • Air conditioner compressors that serve your unit
  • Unit upgrades/alterations from the original plans


Covers your personal property, such as: furniture and clothing, and items that are not attached to or built into the home. Covers these personal items for loss due to specific causes such as: fire, smoke, wind, theft, and other causes as described in the policy.

Personal liability 

Covers damage to others for which you are held liable except as limited or excluded by the policy.

Medical payments for others 

Pays for medical or funeral expenses of others who are injured on your property or caused by your activities on or off your property.

Loss of use 

Pays for reasonable living expense if you are not able to reside in the home due to a covered loss.

Condominiums loss assessments

Covers your share of an assessment against all condominium unit-owners for a direct loss to the condominium property owned by all unit-owners collectively. Loss must be caused by a peril insured against.

Flood Insurance

Why do I need Condo Insurance?

What you need to know about flood insurance in Florida
Flood insurance protects you against damage to your property caused by flooding. Your property policy does not cover damage from flood loss to any property resulting directly or indirectly from water or damage caused by water-borne material. Water and water-borne material damage includes, but is not limited to flood, surface water, tidal waves, or overflow of body of water.
Flood insurance is NOT included in your standard Florida homeowners insurance policy.

What does Florida flood insurance cover?

Building Property
Covers the insured building for direct physical loss caused by flood.
Personal Property Coverage (Optional)
Covers your personal property including appliances and window coverings for direct physical loss caused by flood.
Condominium Loss Assessments
Covers up to the building property limit for your share of loss assessments charged against you by the condominium association, as a result of direct physical loss by or from flood.

Do you have Insurance Questions? Give us a call.

Personal Policies

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  • Auto Insurance
  • Home Insurance
  • Renters Insurance
  • Condo Insurance
  • Flood Insurance
Business Policies

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  • Property Insurance
  • General Liability Insurance
  • Employment Practices Liability Insurance
  • Business Auto Insurance
  • Worker’s Compensation Insurance
  • Inland Marine Insurance
Specialty Policies

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  • Motorcycle Insurance
  • ATV Insurance
  • Boat Insurance
  • RV Insurance

Raulerson Insurance Group

Brad Raulerson
Phone: 904 382 3464
1901 Island Walkway, Suite 113
Fernandina Beach, FL 32034