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Absolute Choice Insurance

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Wind Mitigation

You may be entitled to additional credits that will reduce your premium. An agent will need to discuss this with you in further detail to ensure you obtain the appropriate credits.

What are the Types of Home Insurance Policies?

There are many types of home insurance policies. Rating Dynamics provides quotes for the most common types:

Homeowners/HO-3
This is the most common type of home insurance policy. This policy is for people who own (even if you have a mortgage) a home or townhome. It protects your home from various types of losses or disasters (called “perils”), including:

  • fire or lightning
  • explosion
  • riot or civil commotion
  • damage caused by aircraft or vehicles
  • smoke
  • vandalism
  • theft
  • volcanic eruption
  • falling object
  • weight of ice or snow
  • accidental discharge of water or steam from a plumbing system or appliance
  • sinkhole (if selected)
  • windstorm or hail, including hurricanes (if selected)

A home insurance policy includes coverage for the structure of the home and for your personal belongings (“contents”). It also includes liability protection against the cost of lawsuits for bodily injury or property damage that you or your family member may cause to other people while on your property and damage caused by pets. Most policies also include coverage for additional living expenses should you have to be away from home if your house is inhabitable due to damage from a fire or other disaster.

Condo/HO-6
This policy is for people owning a condo or co-op, and it provides protection for your personal belongings and the structural parts of the building that you own. It generally protects against all the same losses or disasters as the Homeowners type policy described above.

Renters/HO-4
This policy is for people renting a home, townhome, or apartment they live in, and it provides protection for your personal belongings. It generally protects against all the same losses or disasters as the Homeowners type policy described above.

Other Types of Home Insurance
There are several other more specialized types of home insurance. If your home has any of the following characteristics, you may need a different type of policy:

  • An older, historic type home
  • A mobile home
  • A home that is owned by you but rented full time
  • A high value home (over $1 million)

If your property fits into one of these 'Other' categories, an agent will need to provide an accurate quote for your specialized needs.

Year Roof Built/Replaced

If your roof is the original roof, then the year of the roof is the same age as the age of your home. If you have replaced your roof in accordance with the building codes in effect at the time of replacement, please indicate the year the roof was completely replaced.

Burglar Alarm – Local, Central Station, Police Station

Local
A local burglar alarm is one where the output is “local” only (such as indoor and/or outdoor sirens).

Central Station
Central station alarms connect to an alarm monitoring center (such as ADT, Sonitrol, Brinks, etc.)

Police Station
Police station alarms are connected to a responding police station.

Fire Alarm – Local, Central Station, Fire Station

Local
A local fire alarm is one where the output is “local” only (such as indoor and/or outdoor sirens).

Central Station
Central station alarms connect to an alarm monitoring center (such as ADT, Sonitrol, Brinks, etc.)

Fire Station
Fire station alarms are connected to a responding fire station.

Indoor Sprinkler – Class A, Class B

Indoor sprinklers are typically only found in condos.

Class A Indoor Sprinkler
Class A indoor fire sprinkler system is one that has been professionally installed in all areas except attics, bathrooms, and closets.

Class B Indoor Sprinkler
Class B indoor fire sprinkler system is one that has been professionally installed in all areas including attics, bathrooms, and closets.

Coverage Amount Needed On Your Home (Coverage A)

The amount of coverage needed on your home is the amount to cover replacement of the structure if it is totally destroyed.

Credit History

Some insurance companies offer a discount for policy holders with good credit. For purposes of your quote, you can select what you feel is your credit score range. Rating Dynamics does not run your credit, as part of the quote process, to verify your credit score range; however, this information will need to be verified later by the insurance company in order to qualify for any potential discounts for favorable credit when you purchase a policy.

Type of Residence – Primary or Seasonal

Primary
A primary residence is your main home

Seasonal/Secondary
A seasonal residence is generally one that is unoccupied for 3 or more consecutive months of a year. It may be a beach house or lake house, which you go to for a particular time of the year, but is not your primary home.

Construction – Frame, Masonry, or Masonry Veneer

Frame
Frame construction is one where exterior walls are made of wood, stucco, siding, or other combustible material.

Masonry
Masonry construction is one where exterior walls are made of brick, concrete, stone, or similar materials.

Masonry Veneer
Masonry Veneer is one where the exterior walls are made of a frame type material and then “veneered” with brick or stone.

Mixed (Frame and Masonry)
If your home is “mixed”, meaning frame construction on one or more sides and masonry construction on one or more sides, choose frame construction type if one third or more of the exterior walls are frame; otherwise, choose masonry.

Roof Shape

Hip Roof
A hip roof is a roof where all sides slope downwards to the walls. A square hipped roof is shaped like a pyramid. A hip roof on a rectangular shaped house would have four faces with two triangular sides on each end.
Gable Roof
A gable roof is a very triangular shaped roof with two straight slopes that meet at the ridge of the roof and extend down to the eaves forming a peak shape.
Flat Roof
A flat roof is horizontal, or nearly horizontal.

Personal Property Coverage

The contents of your home are your personal property. This includes furniture, appliances and clothing. Not all personal property is covered. Items more appropriately covered under different forms of insurance may have limited or no coverage for loss. These items include, but are not limited to, money, jewelry and firearms.

AOP Deductible

This is the deductible, or portion of any claim, that you will be responsible for, and the insurance provider will not cover. It is the amount of expenses that you must pay out of pocket before an insurer will cover any costs. This deductible applies to all losses other than losses due to hurricane. Generally, increasing your deductible will lower your premium.

Hurricane Deductible

This is the deductible, or portion of any hurricane claim, that you will be responsible for, and the insurance provider will not cover. It is the amount of expenses that you must pay out of pocket before an insurer will cover any costs. This deductible applies to all losses due to a hurricane. This deductible is most commonly calculated as a percent of the Dwelling coverage.

Replacement Cost Coverage on Contents

You can purchase additional coverage for your personal property so that the insurance carrier will pay the dollar amount needed to replace your damaged contents with items of like kind and quality. If you do not select replacement cost coverage, then, generally, your contents will be covered at their actual cash value, which is the dollar amount you could expect to receive for the item in the marketplace, taking into account depreciation, or the wear and tear, of the item prior to the claim.

Wind Coverage

If you would like coverage for your home and contents for any losses caused as a result of any type of windstorm or hailstorm (including hurricanes), you must select wind coverage.

Sinkhole Coverage

If you would like coverage for your home and contents for any losses caused by a sinkhole, you must select sinkhole coverage. Some insurance companies charge extra for this coverage and some do not. We will show you in the details of each quote any associated charges for sinkhole protection if you select this coverage.

Water Back-up/Sump Pump

If you would like coverage for any losses that could happen as a result of the backup of sewers or drain lines, as well as any losses due to the failure of a sump pump, you must select this coverage. The additional cost is between $25 and $100, depending on the insurance company. We will show you in the details of each quote any associated charges for water backup/sump pump protection if you select this coverage.

Terms of Use

The www.myabsolutechoice.com website located at https://www.absolutechoiceinsurance.com/ is a copyrighted work belonging to Jeremiah Perez Inc dba Absolute Choice Insurance.. Certain features of the Site may be subject to additional guidelines, terms, or rules, which will be posted on the Site in connection with such features.

All such additional terms, guidelines, and rules are incorporated by reference into these Terms.

These Terms of Use described the legally binding terms and conditions that oversee your use of the Site. BY LOGGING INTO THE SITE, YOU ARE BEING COMPLIANT THAT THESE TERMS and you represent that you have the authority and capacity to enter into these Terms. YOU SHOULD BE AT LEAST 18 YEARS OF AGE TO ACCESS THE SITE. IF YOU DISAGREE WITH ALL OF THE PROVISION OF THESE TERMS, DO NOT LOG INTO AND/OR USE THE SITE.

These terms require the use of arbitration Section 10.2 on an individual basis to resolve disputes and also limit the remedies available to you in the event of a dispute.

Subject to these Terms.  Jeremiah Perez Inc dba Absolute Choice Insurance grants you a non-transferable, non-exclusive, revocable, limited license to access the Site solely for your own personal, noncommercial use.

The rights approved to you in these Terms are subject to the following restrictions: (a) you shall not sell, rent, lease, transfer, assign, distribute, host, or otherwise commercially exploit the Site; (b) you shall not change, make derivative works of, disassemble, reverse compile or reverse engineer any part of the Site; (c) you shall not access the Site in order to build a similar or competitive website; and (d) except as expressly stated herein, no part of the Site may be copied, reproduced, distributed, republished, downloaded, displayed, posted or transmitted in any form or by any means unless otherwise indicated, any future release, update, or other addition to functionality of the Site shall be subject to these Terms.  All copyright and other proprietary notices on the Site must be retained on all copies thereof.

Company reserves the right to change, suspend, or cease the Site with or without notice to you.  You approved that Company will not be held liable to you or any third-party for any change, interruption, or termination of the Site or any part.

No Support or Maintenance. You agree that Company will have no obligation to provide you with any support in connection with the Site.

Excluding any User Content that you may provide, you are aware that all the intellectual property rights, including copyrights, patents, trademarks, and trade secrets, in the Site and its content are owned by Company or Company’s suppliers. Note that these Terms and access to the Site do not give you any rights, title or interest in or to any intellectual property rights, except for the limited access rights expressed in Section 2.1. Company and its suppliers reserve all rights not granted in these Terms.

 

 

 

Third-Party Links & Ads; Other Users

Third-Party Links & Ads. The Site may contain links to third-party websites and services, and/or display advertisements for third parties.  Such Third-Party Links & Ads are not under the control of Company, and Company is not responsible for any Third-Party Links & Ads.  Company provides access to these Third-Party Links & Ads only as a convenience to you, and does not review, approve, monitor, endorse, warrant, or make any representations with respect to Third-Party Links & Ads.  You use all Third-Party Links & Ads at your own risk, and should apply a suitable level of caution and discretion in doing so. When you click on any of the Third-Party Links & Ads, the applicable third party’s terms and policies apply, including the third party’s privacy and data gathering practices.

Other Users. Each Site user is solely responsible for any and all of its own User Content.  Because we do not control User Content, you acknowledge and agree that we are not responsible for any User Content, whether provided by you or by others.  You agree that Company will not be responsible for any loss or damage incurred as the result of any such interactions.  If there is a dispute between you and any Site user, we are under no obligation to become involved.

You hereby release and forever discharge the Company and our officers, employees, agents, successors, and assigns from, and hereby waive and relinquish, each and every past, present and future dispute, claim, controversy, demand, right, obligation, liability, action and cause of action of every kind and nature, that has arisen or arises directly or indirectly out of, or that relates directly or indirectly to, the Site. If you are a California resident, you hereby waive California civil code section 1542 in connection with the foregoing, which states: "a general release does not extend to claims which the creditor does not know or suspect to exist in his or her favor at the time of executing the release, which if known by him or her must have materially affected his or her settlement with the debtor."

Disclaimers

The site is provided on an "as-is" and "as available" basis, and company and our suppliers expressly disclaim any and all warranties and conditions of any kind, whether express, implied, or statutory, including all warranties or conditions of merchantability, fitness for a particular purpose, title, quiet enjoyment, accuracy, or non-infringement.  We and our suppliers make not guarantee that the site will meet your requirements, will be available on an uninterrupted, timely, secure, or error-free basis, or will be accurate, reliable, free of viruses or other harmful code, complete, legal, or safe.  If applicable law requires any warranties with respect to the site, all such warranties are limited in duration to ninety (90) days from the date of first use.

Some jurisdictions do not allow the exclusion of implied warranties, so the above exclusion may not apply to you.  Some jurisdictions do not allow limitations on how long an implied warranty lasts, so the above limitation may not apply to you.

Limitation on Liability

To the maximum extent permitted by law, in no event shall company or our suppliers be liable to you or any third-party for any lost profits, lost data, costs of procurement of substitute products, or any indirect, consequential, exemplary, incidental, special or punitive damages arising from or relating to these terms or your use of, or incapability to use the site even if company has been advised of the possibility of such damages.  Access to and use of the site is at your own discretion and risk, and you will be solely responsible for any damage to your device or computer system, or loss of data resulting therefrom.

To the maximum extent permitted by law, notwithstanding anything to the contrary contained herein, our liability to you for any damages arising from or related to this agreement, will at all times be limited to a maximum of fifty U.S. dollars (u.s. $50). The existence of more than one claim will not enlarge this limit.  You agree that our suppliers will have no liability of any kind arising from or relating to this agreement.

Some jurisdictions do not allow the limitation or exclusion of liability for incidental or consequential damages, so the above limitation or exclusion may not apply to you.

Term and Termination. Subject to this Section, these Terms will remain in full force and effect while you use the Site.  We may suspend or terminate your rights to use the Site at any time for any reason at our sole discretion, including for any use of the Site in violation of these Terms.  Upon termination of your rights under these Terms, your Account and right to access and use the Site will terminate immediately.  You understand that any termination of your Account may involve deletion of your User Content associated with your Account from our live databases.  Company will not have any liability whatsoever to you for any termination of your rights under these Terms.  Even after your rights under these Terms are terminated, the following provisions of these Terms will remain in effect: Sections 2 through 2.5, Section 3 and Sections 4 through 10.

Copyright Policy.

Company respects the intellectual property of others and asks that users of our Site do the same.  In connection with our Site, we have adopted and implemented a policy respecting copyright law that provides for the removal of any infringing materials and for the termination of users of our online Site who are repeated infringers of intellectual property rights, including copyrights.  If you believe that one of our users is, through the use of our Site, unlawfully infringing the copyright(s) in a work, and wish to have the allegedly infringing material removed, the following information in the form of a written notification (pursuant to 17 U.S.C. § 512(c)) must be provided to our designated Copyright Agent:

 

Jeremiah Perez or Absolute Choice Insurance located at 3221 SW 107th Ave Miami, FL 33165 (305)275-1777 jperez@myabsolutechoice.com

Please note that, pursuant to 17 U.S.C. § 512(f), any misrepresentation of material fact in a written notification automatically subjects the complaining party to liability for any damages, costs and attorney’s fees incurred by us in connection with the written notification and allegation of copyright infringement.

General

These Terms are subject to occasional revision, and if we make any substantial changes, we may notify you by sending you an e-mail to the last e-mail address you provided to us and/or by prominently posting notice of the changes on our Site.  You are responsible for providing us with your most current e-mail address.  In the event that the last e-mail address that you have provided us is not valid our dispatch of the e-mail containing such notice will nonetheless constitute effective notice of the changes described in the notice.  Any changes to these Terms will be effective upon the earliest of thirty (30) calendar days following our dispatch of an e-mail notice to you or thirty (30) calendar days following our posting of notice of the changes on our Site.  These changes will be effective immediately for new users of our Site.  Continued use of our Site following notice of such changes shall indicate your acknowledgement of such changes and agreement to be bound by the terms and conditions of such changes.

Dispute Resolution. Please read this Arbitration Agreement carefully. It is part of your contract with Company and affects your rights.  It contains procedures for MANDATORY BINDING ARBITRATION AND A CLASS ACTION WAIVER.

Applicability of Arbitration Agreement. All claims and disputes in connection with the Terms or the use of any product or service provided by the Company that cannot be resolved informally or in small claims court shall be resolved by binding arbitration on an individual basis under the terms of this Arbitration Agreement.  Unless otherwise agreed to, all arbitration proceedings shall be held in English.  This Arbitration Agreement applies to you and the Company, and to any subsidiaries, affiliates, agents, employees, predecessors in interest, successors, and assigns, as well as all authorized or unauthorized users or beneficiaries of services or goods provided under the Terms.

Notice Requirement and Informal Dispute Resolution. Before either party may seek arbitration, the party must first send to the other party a written Notice of Dispute describing the nature and basis of the claim or dispute, and the requested relief.  A Notice to the Company should be sent to: 3221 SW 107th Ave Miami, FL 33165. After the Notice is received, you and the Company may attempt to resolve the claim or dispute informally.  If you and the Company do not resolve the claim or dispute within thirty (30) days after the Notice is received, either party may begin an arbitration proceeding.  The amount of any settlement offer made by any party may not be disclosed to the arbitrator until after the arbitrator has determined the amount of the award to which either party is entitled.

Arbitration Rules. Arbitration shall be initiated through the American Arbitration Association, an established alternative dispute resolution provider that offers arbitration as set forth in this section.  If AAA is not available to arbitrate, the parties shall agree to select an alternative ADR Provider.  The rules of the ADR Provider shall govern all aspects of the arbitration except to the extent such rules are in conflict with the Terms.  The AAA Consumer Arbitration Rules governing the arbitration are available online at adr.org or by calling the AAA at 1-800-778-7879.  The arbitration shall be conducted by a single, neutral arbitrator.  Any claims or disputes where the total amount of the award sought is less than Ten Thousand U.S. Dollars (US $10,000.00) may be resolved through binding non-appearance-based arbitration, at the option of the party seeking relief.  For claims or disputes where the total amount of the award sought is Ten Thousand U.S. Dollars (US $10,000.00) or more, the right to a hearing will be determined by the Arbitration Rules.  Any hearing will be held in a location within 100 miles of your residence, unless you reside outside of the United States, and unless the parties agree otherwise.  If you reside outside of the U.S., the arbitrator shall give the parties reasonable notice of the date, time and place of any oral hearings. Any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction.  If the arbitrator grants you an award that is greater than the last settlement offer that the Company made to you prior to the initiation of arbitration, the Company will pay you the greater of the award or $2,500.00.  Each party shall bear its own costs and disbursements arising out of the arbitration and shall pay an equal share of the fees and costs of the ADR Provider.

Additional Rules for Non-Appearance Based Arbitration. If non-appearance based arbitration is elected, the arbitration shall be conducted by telephone, online and/or based solely on written submissions; the specific manner shall be chosen by the party initiating the arbitration.  The arbitration shall not involve any personal appearance by the parties or witnesses unless otherwise agreed by the parties.

Time Limits. If you or the Company pursues arbitration, the arbitration action must be initiated and/or demanded within the statute of limitations and within any deadline imposed under the AAA Rules for the pertinent claim.

Authority of Arbitrator. If arbitration is initiated, the arbitrator will decide the rights and liabilities of you and the Company, and the dispute will not be consolidated with any other matters or joined with any other cases or parties.  The arbitrator shall have the authority to grant motions dispositive of all or part of any claim.  The arbitrator shall have the authority to award monetary damages, and to grant any non-monetary remedy or relief available to an individual under applicable law, the AAA Rules, and the Terms.  The arbitrator shall issue a written award and statement of decision describing the essential findings and conclusions on which the award is based.  The arbitrator has the same authority to award relief on an individual basis that a judge in a court of law would have.  The award of the arbitrator is final and binding upon you and the Company.

Waiver of Jury Trial. THE PARTIES HEREBY WAIVE THEIR CONSTITUTIONAL AND STATUTORY RIGHTS TO GO TO COURT AND HAVE A TRIAL IN FRONT OF A JUDGE OR A JURY, instead electing that all claims and disputes shall be resolved by arbitration under this Arbitration Agreement.  Arbitration procedures are typically more limited, more efficient and less expensive than rules applicable in a court and are subject to very limited review by a court.  In the event any litigation should arise between you and the Company in any state or federal court in a suit to vacate or enforce an arbitration award or otherwise, YOU AND THE COMPANY WAIVE ALL RIGHTS TO A JURY TRIAL, instead electing that the dispute be resolved by a judge.

Waiver of Class or Consolidated Actions. All claims and disputes within the scope of this arbitration agreement must be arbitrated or litigated on an individual basis and not on a class basis, and claims of more than one customer or user cannot be arbitrated or litigated jointly or consolidated with those of any other customer or user.

Confidentiality. All aspects of the arbitration proceeding shall be strictly confidential.  The parties agree to maintain confidentiality unless otherwise required by law.  This paragraph shall not prevent a party from submitting to a court of law any information necessary to enforce this Agreement, to enforce an arbitration award, or to seek injunctive or equitable relief.

Severability. If any part or parts of this Arbitration Agreement are found under the law to be invalid or unenforceable by a court of competent jurisdiction, then such specific part or parts shall be of no force and effect and shall be severed and the remainder of the Agreement shall continue in full force and effect.

 

Right to Waive. Any or all of the rights and limitations set forth in this Arbitration Agreement may be waived by the party against whom the claim is asserted.  Such waiver shall not waive or affect any other portion of this Arbitration Agreement.

Survival of Agreement. This Arbitration Agreement will survive the termination of your relationship with Company.

Small Claims Court. Nonetheless the foregoing, either you or the Company may bring an individual action in small claims court.

Emergency Equitable Relief. Anyhow the foregoing, either party may seek emergency equitable relief before a state or federal court in order to maintain the status quo pending arbitration.  A request for interim measures shall not be deemed a waiver of any other rights or obligations under this Arbitration Agreement.

Claims Not Subject to Arbitration. Notwithstanding the foregoing, claims of defamation, violation of the Computer Fraud and Abuse Act, and infringement or misappropriation of the other party’s patent, copyright, trademark or trade secrets shall not be subject to this Arbitration Agreement.

In any circumstances where the foregoing Arbitration Agreement permits the parties to litigate in court, the parties hereby agree to submit to the personal jurisdiction of the courts located within Netherlands County, California, for such purposes.

The Site may be subject to U.S. export control laws and may be subject to export or import regulations in other countries. You agree not to export, re-export, or transfer, directly or indirectly, any U.S. technical data acquired from Company, or any products utilizing such data, in violation of the United States export laws or regulations.

Company is located at the address in Section 10.8. If you are a California resident, you may report complaints to the Complaint Assistance Unit of the Division of Consumer Product of the California Department of Consumer Affairs by contacting them in writing at 400 R Street, Sacramento, CA 95814, or by telephone at (800) 952-5210.

Electronic Communications. The communications between you and Company use electronic means, whether you use the Site or send us emails, or whether Company posts notices on the Site or communicates with you via email. For contractual purposes, you (a) consent to receive communications from Company in an electronic form; and (b) agree that all terms and conditions, agreements, notices, disclosures, and other communications that Company provides to you electronically satisfy any legal obligation that such communications would satisfy if it were be in a hard copy writing.

Entire Terms. These Terms constitute the entire agreement between you and us regarding the use of the Site. Our failure to exercise or enforce any right or provision of these Terms shall not operate as a waiver of such right or provision. The section titles in these Terms are for convenience only and have no legal or contractual effect. The word "including" means "including without limitation". If any provision of these Terms is held to be invalid or unenforceable, the other provisions of these Terms will be unimpaired and the invalid or unenforceable provision will be deemed modified so that it is valid and enforceable to the maximum extent permitted by law.  Your relationship to Company is that of an independent contractor, and neither party is an agent or partner of the other.  These Terms, and your rights and obligations herein, may not be assigned, subcontracted, delegated, or otherwise transferred by you without Company’s prior written consent, and any attempted assignment, subcontract, delegation, or transfer in violation of the foregoing will be null and void.  Company may freely assign these Terms.  The terms and conditions set forth in these Terms shall be binding upon assignees.

Copyright/Trademark Information. Copyright ©. All rights reserved.  All trademarks, logos and service marks displayed on the Site are our property or the property of other third-parties. You are not permitted to use these Marks without our prior written consent or the consent of such third party which may own the Marks.

 

Office: (305)275-1777

Fax: (305) 275-1711

Address: 3221 SW 107th Ave.

Email: jperez@myabsolutechoice.com