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Why do I need insurance?
Florida is prone to hurricanes, tropical storms, and other severe weather events, which can cause significant property damage. These natural disasters can result in high wind damage, flooding, and water damage, making it crucial for homeowners to have insurance coverage to protect their properties.
Many parts of Florida are in flood-prone zones due to its geography and proximity to bodies of water like the Atlantic Ocean and the Gulf of Mexico. Since standard homeowners’ insurance policies typically do not cover flood damage, many homeowners in Florida opt for separate flood insurance policies to protect their homes.
5 Important Numbers to Know
Coverage A:
Dwelling
What would it cost in Labor and Materials to do a full renovation or rebuild of your home, including: roof, walls, floors, kitchens and baths?
Coverage C:
Personal property
What is the total cost of your contents including your furniture, appliances, electronics, clothing, etc.?
Coverage D:
Loss of Use
If your property was damaged and unlivable, what would it cost you and your family to rent elsewhere for 6 months to 1 year?
Coverage E:
Personal Liability
What would you estimate is your Total Net Worth? If you are liable for property damage or bodily injury to others, your home and personal assets are at stake. We suggest a minimum $300,000 to pay for these claims.
305.865.7777:
Your Agent’s Number
In the event of a loss it is important to be able to discuss your coverage, the policy’s claims provisions and the claims process. A good independent agent is available to help you in this times.