How much coverage do I need?

This is a popular question because in Florida some Insurers don’t give you an option for the dwelling coverage.  If you have a mortgage you will need to maintain adequate coverage to at least pay off the loan if a disaster strikes.  When you apply for homeowners’ insurance, the company will have a replacement cost calculator which tells them how much it would cost to rebuild the home in the event of a total loss.  It is not unusual that the dwelling coverage quoted to be far in excess of your purchase price or the estimated sale value of the property.  Keep in mind, that you may wish to purchase higher limits on your liability or medical payments coverage in addition to any optional coverages you may wish to purchase for a higher premium.  Remember, your policy does not cover your land. Call for a free policy review

Contact for a free policy review:

(727) 741-3913



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John McMenamin, P.A.
John McMenamin is a licensed Tampa attorney and has been a member of the Florida State Bar Association since 2002. Prior to that time, he worked with his past firm in many capacities when not in school, since 1991. John grew up In the small town of Geneva, NY, in the heart of what is now the Finger Lakes wine Country until later moving between Florida And NJ. He graduated from Fairleigh Dickinson University in Teaneck/Hackensack, NJ in 1998 then returned to Florida to start law school at Nova Southeastern in Davie, Florida. After graduation in 2002, he was employed By Marshall & LeValley in New Port Richey, representing clients throughout Florida, which later became LeValley & Napolitano and finally LeValley, Napolitano & McMenamin, P.L. In 2010. As of 2013, he joined Marshall, Thomas & Burnett for a brief time until Summer 2014. In October 2014, John saw the opportunity to provide a broader scope of legal representation in a more personalized small firm. He has lived in Tarpon Springs with his wife and two children since 2005.