Personal Insurance

Homeowners Insurance

Ever since Hurricane Andrew in 1992, homeowners insurance has been hard to find and relatively expensive. The homeowners' policy covers your personal property against such perils as fire, windstorm, theft, water damage and liability claims. It can be tailored to your particular needs with the addition of optional coverages (flood, other dwellings, floaters, etc.) Gracey-Backer, Inc. represents a wide variety of companies. We specialize in coverage for the high net worth individual. Many of our physicians, surgeons, oral surgeons, and dentists choose to have their personal policies with us.

Valuable Articles Floater

Separate coverage is recommended for high valued articles, like jewelry, fine arts, silver, stamps or coins, furs, musical instruments, golf equipment, collections, etc. The value of these items is agreed upon in advance. The coverage is quite broad and relatively inexpensive.

Umbrella Liability Policies

Many of our clients purchase separate umbrella policies to 1) obtain limits of liability greater than those on the standard home and auto policies and to 2) gain protection from claims that might be excluded by other policies.

Flood Insurance

It has been proven that most claims for flood damage occur in non-flood zones. The peril of flood (rising water) is excluded on the standard homeowners policy. For this reason, it is recommended that a separate policy, underwritten by the Federal Government, be purchased.

Automobile Insurance

Required by law, automobile insurance provides liability, property, and medical coverage in the event of an accident or theft. Even if you lease a car, you still need automobile policy. Many auto policies are packaged with the homeowners' policy to achieve greater savings. We represent a wide array of automobile insurance companies, and can give you a very competitive quote. We can recommend ways to save on your coverage (higher deductibles, student discounts, safe driver discounts, etc.)

Boat and Yacht Insurance

We provide insurance for every size vessel, with worldwide coverage options available. There are two coverages important to insuring your boat: hull and machinery and liability. These can usually be packaged and other coverages added to suit your needs. The premium is based on the value of your boat, the area of navigation, the experience of the boat owner/operator, the use of the boat and the loss history of the owner/operator. Discounts are available. For more information or an insurance quote, please contact our Marine Specialist or click here to request a quick quote.

Motorcycles and Recreational Vehicles

Motorcycle liability coverage is mandatory in Florida. Most people also cover property damage to their motorcycle. Multi-bike discounts are available. Other recreational vehicles that should be insured include:

• ATV's
• Recreational Vehicles and Motor Homes
• Watercraft
• Personal Watercraft
• Snowmobiles