Your Homeowner’s Insurance Policy Protects More Than Just A Building

Your home provides more than just a place to live, and your policy should provide protection when you need it most.

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In Florida, your homeowner’s insurance policy can provide protection in the following ways

  • Coverages for the house

    • Dwelling coverage

      • Protects the cost to repair or rebuild your house

      • Should include inflationary protection and additional increases of coverage due to changing laws or building codes

    • Other Structures

      • Protects sheds, fences, screened enclosures or other structures than the home

  • Your stuff

    • Personal Property coverage

      • Protects the value of your belongings

      • Should be replacement cost instead of actual cash value

    • Scheduled Personal Property coverage

      • Provides individualized coverage for specific, high-value items that may be subject to limits under normal personal property coverage

  • Coverages for Others

    • Personal (or Family) Liability

      • Provides coverage for the injuries to others if you are responsible for their injuries

    • Medical Payments

      • Provides coverage for injuries for guests, regardless of negligence or responsibility

  • Other Coverages

    • Loss Of Use

      • Provides coverage for the costs to stay outside of your home due to a covered claim

    • Loss Assessment

      • Provides coverage for HOA (or similar) assessments due to a covered claim