Homeowners Insurance

The Facts About Florida Home Insurance

When purchasing a home, one of the most important choices you will have to make is your homeowner’s insurance policy. Choosing the right amount of coverage for your home can provide financial protection in the event of a disaster strike or other circumstances such as; damage to contents inside of your home or break-ins. When people look for homeowner’s insurance, they are seeking not just one type of coverage but possibly several different varieties. Homeowner’s insurance, renters’ insurance, and condo insurance are usually included under the category of home insurance. You need to have insurance coverage to guard against disasters and losses whether you are the homeowner or not. We want to make your homeowners insurance search as easy as possible by helping you understand the various coverage options we offer to our customers. Your happiness when it comes to the protection of your home begins with choosing the right homeowners insurance for you.

All About the Homeowners Insurance Policies and Coverages

A homeowner’s policy is put in place for someone who owns their own home. A home can be considered either a house or a condominium: Essentially, if you are making payments on the home with ownership as the end goal you will need homeowners’ insurance. A homeowner’s insurance policy may help with coverage costs for both the outside of the home and all the contents inside your home. It may also cover the majority of natural disasters (certain disasters like earthquakes may be excluded but you may add extra coverage for that specific purpose) and will allow you to replace or rebuild damaged property. If your home is broken into and items are stolen, your insurance will help replace stolen items and pay for any damage in terms of vandalism that the thief did.

The following is a list of the varying coverage types:

Coverage A - Dwelling Coverage

Also called main structure coverage, dwelling coverage helps pay to repair the cost of damages to the structure of your home such as; roof, windows, floors, etc.

Coverage B – Other Structures

Home insurance may also help with the cost of damages for unattached structures such as swimming pools, detached garages, sheds, etc.

Coverage C – Personal Property

Personal property coverage helps cover the costs of your belongings if they are stolen, vandalized or even ruined. This can range from electronics to furniture, clothing, and appliances, etc. Personal property coverage can give you a level of confort to know that your personal belongings can be covered in the event that disaster strikes.

Coverage D – Loss of Use

If your home is unlivable, your policy may help pay for extra expenses. These extra expenses may include; food costs, living expenses, and more.

Coverage E – Liability Coverage

If you are sued and found responsible for someone’s property damage or injury, personal liability coverage may help cover the costs that you are financially responsible for. Personal liability coverage is especially important as accidents are inevitable and even individuals who are cautious can find themselves in court.

Coverage F – Medical Payments

If a guest in your home or someone on your property is injured, medical payments coverage helps cover the medical costs for the individual who was hurt.

You may be shocked to see the range of prices you'll get in home insurance quotes. You can sometimes save a lot of money by simply choosing one company over another. However, you should seek quotes and assistance only from reliable top carriers who have your best interest in mind. Your local independent agent is the most recommended for this since they can search for quotes from top carriers that will fulfill your needs compared with some of the best rates. Your independent agency will also give you the power to compare many different policy options conveniently at home!

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