Ever since Hurricane Andrew in 1992, homeowners insurance has been hard to find and relatively expensive. The homeowners’ policy covers your home and 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 policies (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.