Most people consider their Florida home insurance a necessity only after a natural disaster hits their town. Some fail to consider is that their homeowners’ coverage can help with a variety of other situations. What circumstances does the typical policy cover?
How common are burglaries in your neighborhood? Could you cover the losses by yourself if your house was hit? You may not have to if your insurance policy includes theft coverage as most do. With this coverage, you may be reimbursed for the stolen items and damage caused by the thieves.
Vandalism can occur in even the most affluent areas. Young adults often get the blame for tagging buildings with their name, gang signals, and other graffiti. Sometimes vandalism can be more destructive than just paint on the side of your home. Many insurance policies provide for the cost of cleaning and repairing the acts of vandals.
Many people know businesses can be held liable if someone is injured on their premises. Did you know the same could be said about homeowners? When someone gets bitten by your dog, slips on your steps, or trips on your snagged carpet, you could be sued. With general liability coverage, your insurer may help pay for the resulting expenses if you have the appropriate liability coverage.
Does your Florida home insurance offer the level of protection you would like? Individuals who determine they are lacking in essential protection should contact our agency to discuss options.
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