Property and Casualty Insurance

Comprehensive Property and Casualty Insurance Solutions

Have peace of mind protecting your belongings with Vilardi Financial Center. Our company offers an all-in-one approach with insurance and wealth management services to help you feel confident making informed decisions.

Enjoy receiving a free quote of your P&C insurance options with a detailed breakdown of what’s covered. We gather a thorough understanding of your needs to help you create a comprehensive strategy for your financial journey.

Understanding Property and Casualty Insurance in Florida

Accidents happen — and at Vilardi Financial Center, we’re committed to helping you protect your finances in the event of property damage. As a broad coverage category, P&C insurance is designed to cover homes, buildings and personal belongings against perils and cover liabilities like bodily injury and property damage to others. While each policy may vary, some standard coverages in Tampa, Florida, and the surrounding areas include:

• Water damage
• Hurricanes and windstorms
• Fire and smoke
• Lightning strikes
• Hail
• Falling objects
• Theft or vandalism
• Plumbing or electrical damage

Our insurance agents can help you choose perils to feel prepared for various situations and weather conditions. The “casualty” part of the insurance covers liability if you’re found responsible for injuring others or damaging someone else’s property. Having adequate coverage is necessary for car owners, property renters, homeowners and business owners near Tampa, Florida.

Tailored Property and Casualty Insurance Policies

Standard P&C insurance may not cover every potential risk or scenario property owners may experience. Our team can help you acquire more comprehensive protection for your investments. In Florida, policyholders can cover more perils with add-ons for the following:

• Floods
• Sinkholes
• Earthquakes
• Sewer backups or overflowing drains
• Mold or mildew
• Identity theft

Living near rivers, bays and oceans has its own set of unique risks. We can help you invest in private flood insurance with broader coverage and higher limits than the National Flood Insurance Program (NFIP). Additionally, we can help you discover better flood coverage for detached structures such as garages, gazebos and pools.

If you own a newer or high-value vehicle, you may need specialty insurance to help cover the costs of potential damage and injuries sustained in incidents. We can discuss ways to lower your liability rates with safety features ranging from security cameras to automatic brakes.