SHiRP - Your Premier Home Protection Partner
SHiRP represents a revolutionary solution to the escalating costs of homeowners insurance premiums and the dwindling options in Florida's homeowners market.
As traditional insurance companies grapple with unprecedented challenges, SHiRP emerges as an innovative and cutting-edge concept in home protection.
The Shared Home Indemnity Repair Plan (SHiRP) offers:
- Comprehensive coverage for homes
- Remarkably affordable rates
- An array of perils often overlooked by mainstream policies
Crucially, SHiRP transcends the boundaries of conventional insurance, operating outside the realm of legal insurance disputes and the constraints of Florida State Insurance policy laws.
Coverage Plans
$50,000 Coverage (Condo)
Premium: $1,000.00 per year
- B: Other structures $1,000
- C: Contents $10,000
- D: Loss Of Use $1,000
$110,000 Coverage
Premium: $2,500.00 per year
- B: Other structures $1,000
- C: Contents $10,000
- D: Loss Of Use $1,000
$160,000 Coverage
Premium: $3,000.00 per year
- B: Other structures $1,000
- C: Contents $10,000
- D: Loss Of Use $1,000
Covered Perils
- Damage caused by sudden pipe bursts
- Wind-related losses (hurricanes, tornadoes, storms)
- Fire and smoke damage (within last 15 days, non-illegal activity)
- Non-automobile accidents in or around the house
- Falling debris (tree branches, aircraft parts, hail)
- Theft (with police report, by strangers)
- Ground collapse (visible to naked eye)
- Officially recorded earthquakes
Exclusions
- Wear and tear, damage due to age
- Intentional damage
- Outside flooding
- Mudslides
- Animal damage and dog bites
- Frozen discharge
- Sinkholes
- Pests, mold, rodents, insect infestation
- Pre-existing damage
- Pool and screen enclosures
- Items used for business
- War or nuclear hazard
Claims Process
- Claims handled, adjusted, and settled by SHiRP (Shared Home Indemnity Repair Plan)
- $2,000 deductible applies
- Claims must be reported within 30 days of occurrence
- Claims are settled and shared between company and client evenly. 50/50 shared split.
- The client may opt to finance their obligation half and pay it off for up to 3 years
- Collaborative effort to reduce or repair damaged items
Additional Information
- Six-month home inspection and video log required (no cost)
- Leak detection and smoke detectors recommended
- Separate $300,000 liability policy required
- Roof life expectancy influences damage assessment and claim payout
Join SHiRP Today
Protect your home with our innovative solution
Contact Us
For more information, contact SHiRP LLC: