If Your House Had a Personality: What Kind of Insurance Would It Ask For?

If Your House Had a Personality: What Kind of Insurance Would It Ask For?

Meet the Characters: Broward’s Most Talkative Homes

If you’ve ever bemoaned the need for homeowners insurance, just be grateful your house can’t talk. Trust us: if your place had a voice, you’d never hear the end of its protection requests. Let’s pull back the curtain on Broward County’s real estate personalities and the kinds of coverage they’d order faster than a venti iced latte after a hurricane watch.

1. The Beach Condo Diva

Scene: Sliding doors flung wide, a salty breeze running its fingers through sun-bleached drapes. Palm tree shadows ripple across designer tile. The Beach Condo Diva tilts her sunglasses and pouts.

“Look, hurricanes do nothing for my floors and humidity is literally murder for my art collection. Is there a policy that covers me every time the sea decides it’s coming inside for a visit?”

This is the condo that wants the glitziest protection package available: HO-6 Condominium Coverage with all the bells and whistles. She practically shouts for water backup protection, windstorm coverage, personal property insurance (for her wall-sized flatscreen, naturally), and asks if it’s possible to get “coverage for emotional distress if the WiFi goes out.” Spoiler: It’s not, but we’ll nod politely.

Her wish list:

• Extra coverage for interior walls and built-ins
• Super-charged flood insurance
• Electronics protection for every possible scenario
• Loss assessment in case the board gets dramatic (again)

2. The Old Florida Bungalow… AKA “Mossy”

Mossy is always a little grumpy about “being older than half the sidewalks in this town.” He spends Sundays creaking in the breeze, dropping a pinecone just for the drama. But when storm clouds gather—oh, the fretting begins.

“I’ve dodged more hurricanes than you’ve dodged traffic on I-95. I need the real deal: none of that barebones stuff my neighbor, Shiny New Townhouse, settled for…” Mossy looks up, suspiciously, as if he expects a sinkhole or a dozen tree branches to suddenly pounce.

Mossy practically begs for HO-8 Historic Home Coverage, with restoration cost options to keep his “charm” from being replaced with newfangled drywall. And did someone say, “Tree branch liability?” Mossy will take three, please!

His wish list:

• Structure coverage at replacement (not cash) value
• Debris and tree removal
• Broad named-peril protection
• Mold and water backup add-ons (“Just in case!”)

3. The Suburban Overachiever

You know the one. Perfect hedges, two-car garage, basketball hoop and some seriously competitive holiday lights. Subby doesn’t sweat the storms; he’s worried about… everything else.

“What about my backyard trampoline? Neighborhood kids, unleashed dogs, rogue drones—seriously, does my insurance cover drones?”

Subby is all-in for HO-3 Special Form Insurance. It’s the workhorse of policies, covering just about everything you’d expect (and several things you’d never dream up). Subby also requests personal liability high enough to cough politely when the neighbor’s barbecue goes rogue and scorches a patchy zoysia lawn.

Their wish list:

• Coverage for detached garages, sheds, and playsets
• High liability protection
• Theft, vandalism, and “accidentally launched basketball” claims
• Named peril and open-peril balance (don’t call him basic)

4. The Waterfront Mansion (Living Large)

Ah, to be Waterfront! Every window is a frame for sunset. Every storm, a test of expensive landscaping and imported roof tiles. Yet one misplaced wine fridge or power outage and—catastrophe!

“Darling, is my art collection protected if the king tide gets frisky? Is there a policy for my wine? No? Well, let’s talk endorsements…”

This home’s wish is HO-5 Comprehensive Coverage—open peril for everything, plus a jewelry and art rider, maximum personal property coverage, and a phone number on speed dial for a very understanding insurance agent.

Their wish list:

• Flood and hurricane coverage (stacked!)
• Scheduled property endorsements
• Back-up generator protection
• Temporary relocation coverage (“Five-star hotel, minimum, sweetie.”)

5. The Apartment Complex (Multi-Family Mayhem)

Here’s the social butterfly, always “hosting,” always worrying about what the tenants are up to after 10pm.

“Who left gum on the elevator button again?! I need protection—liability, property, legal expenses… and maybe a therapist?”

For this lively soul, Landlord’s Insurance (DP-3) is the ticket. Fire? Got it. Water damage? Absolutely. Liability for slips, trips, and falls in public areas? Please and thank you.

Wish list:

• Coverage for the building AND legal issues
• Liability for all those stairs
• Equipment breakdown protection
• Loss of rental income (“Somebody always forgets rent after Spring Break”)

What’s Your Home’s Personality? (A Broward Quiz!)

Let’s make it fun! Match your address to the traits:

• Salty sea air? Always checking for leaks? You’re the Beach Condo Diva.
• Squeaky floors and stories for days? Mossy’s your twin.
• HOA memos, perfect lawns, suspicious of drones? You’re Mr. Subby.
• Original artwork, backup generator, “evacuates” to the Ritz? Mansion, obviously.
• Love loud neighbors and bigger crowds? Hello, Apartment Complex.

No one-size-fits-all here—your home’s coverage should match not just what you’re insuring, but how your house “lives” in Broward County.

The Side Hustle: Houses with FOMO

Ever met a house jealous of its neighbor’s ring doorbell...or renovation budget? That’s the FOMO Fixer-Upper, always looking for an edge:

“Can I upgrade to that coverage if I finally get solar panels? Is there an add-on for green energy, or do I just keep hoping for the best?”

For these hopefuls, optional add-ons (endorsements) are the way to chase that insurance “glow-up.” Think:

• Green home discounts
• Identity theft protection
• Short-term rental (Airbnb) coverage
• Equipment breakdown coverage for when optimism and old wiring collide

The Bottom Line: Your Real House, Your Real Coverage

If these homes could talk, they’d point out every little thing that keeps you safe (or up at night). Some would demand protection like it’s Black Friday at Sawgrass Mills. Others would sip iced tea and trust you’ve picked Kaizen Family Financial Consultants for a reason.

Here’s what you (and your house) should remember:

• Don’t guess—match your policy to your home’s quirks and location
• Consider endorsements for unique features (waterfront, collector’s items, smart devices, etc.)
• Review your coverage every time your home’s personality “evolves” (or you finally renovate that kitchen)

If all of this sounds overwhelming, relax: at Kaizen, you’re never stuck talking to a brick wall. Our real-life, local experts listen to your needs (and yes, your house’s quirky wishlist too). We’ll help you build a plan as unique as your address—minus any “talking” drywall.

Ready for your house to sleep a little easier?
Get in touch with Kaizen Family Financial here.

Do you recognize your home in one of these stories? Or is your house as mysterious as an unsolved mystery at the library book sale? Either way, Kaizen’s got you covered—with policies that even the chattiest houses can agree on.