Florida residents who want to protect their beautiful home in the stunning Sunshine State will want to make sure that they have a sufficient amount of homeowners insurance. This kind of coverage is designed to protect the house and everything inside it, but it does vary widely from one policy to the next. Homeowner’s policies in the state of Florida are largely dependent on the value of the home, the value of the home contents, and the policy holder's wishes regarding the size of the policy. Most homeowners insurance will include the following kinds of coverage.
Dwelling coverage insures the home itself. Ideally, this policy will cover nearly all kinds of loss, ranging from natural disasters to fires. Be sure to discuss the exact coverage and exclusions with your agent in case an extra rider for something like hurricane coverage is necessary.
Contents coverage is usually quite straightforward. It covers the possessions inside the house, ranging from clothing to books to furniture and well beyond. All items in the home need to be documented in at least a basic list to help your agent get an idea of an appropriate amount of contents coverage.
Liability coverage offers legal protection for the homeowner. If another individual suffers some kind of injury on your property, they are likely to expect you to pay for their medical bills, as well as any other damages that they incur due to the accident. This coverage will provide the compensation for the injured person, thereby saving the homeowner from a very expensive out of pocket cost.
It’s easy to get the ideal homeowners insurance coverage for your budget by comparing insurance quotes with South Lake Insurance Inc. Call or contact us online anytime to get started on your quick and easy quote!