Optima Insurance is dedicated to serving and providing clients with quality insurance services and risk management advice. With our long history in the industry, comprehensive product knowledge, and personalized attention, we deliver a full-service experience that makes a valuable difference for our clients.
Services
Your home is the center of your daily life, and likely your most valuable asset.
When your home is damaged or destroyed, you need your claim settled by an insurance company that understands this simple fact.
Optima Group can help you find home insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service and fair pricing.
Property or Dwelling Coverage typically pays to repair or rebuild your home if it's damaged or destroyed by an insured event like a kitchen fire or windstorm.
When your home is damaged or destroyed, you need your claim settled by an insurance company that understands this simple fact.
Optima Group can help you find home insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service and fair pricing.
Property or Dwelling Coverage typically pays to repair or rebuild your home if it's damaged or destroyed by an insured event like a kitchen fire or windstorm.
Condominium insurance is unique.
Your condo insurance policy covers your personal property and liability, as well as any additions, alterations and improvements you make to your unit that are your responsibility based on the condo association agreement.
Optional loss assessment coverage is also available to protect you against certain assessments that may be levied by the association.
You would be compensated for additional living expenses incurred should you need to vacate your condo after a covered loss.
Your condo insurance policy covers your personal property and liability, as well as any additions, alterations and improvements you make to your unit that are your responsibility based on the condo association agreement.
Optional loss assessment coverage is also available to protect you against certain assessments that may be levied by the association.
You would be compensated for additional living expenses incurred should you need to vacate your condo after a covered loss.
Landlord Protection liability insurance options protect you and your spouse or domestic partner against personal injury, wrongful eviction, or wrongful entry as well as other non-bodily injury claims such as libel and slander.
Many landlords supplement their coverage with personal umbrella liability insurance for broader protection.
Many landlords supplement their coverage with personal umbrella liability insurance for broader protection.
You have a lot of things that are important to you - from your clothes and furniture to your sound system, sports gear, and computer.
And you want to feel confident that everything you've worked for is not at risk.
Your renters policy covers your personal property against theft or damage subject to the limits and deductibles you select.
The coverage applies even when you are away from home.
For a small additional premium, you can choose to carry full value coverage on your personal property, which ensures that you will be paid the full replacement cost of items that are damaged or stolen without deduction for depreciation.
And you want to feel confident that everything you've worked for is not at risk.
Your renters policy covers your personal property against theft or damage subject to the limits and deductibles you select.
The coverage applies even when you are away from home.
For a small additional premium, you can choose to carry full value coverage on your personal property, which ensures that you will be paid the full replacement cost of items that are damaged or stolen without deduction for depreciation.
Since standard home insurance doesn't cover flooding, it's important to have protection from floods associated with hurricanes, tropical storms, heavy rains and other conditions that impact the U.S.
In 1968, Congress created the National Flood Insurance Program (NFIP) to help provide a means for property owners to financially protect themselves.
The NFIP offers flood insurance to homeowners, renters, and business owners if their community participates in the NFIP.
Participating communities agree to adopt and enforce ordinances that meet or exceed FEMA requirements to reduce the risk of flooding.
In 1968, Congress created the National Flood Insurance Program (NFIP) to help provide a means for property owners to financially protect themselves.
The NFIP offers flood insurance to homeowners, renters, and business owners if their community participates in the NFIP.
Participating communities agree to adopt and enforce ordinances that meet or exceed FEMA requirements to reduce the risk of flooding.
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