Homeowners insurance provides protection against property damage and liability risk associated with owning a home. A typical homeowners insurance policy will cover the physical structure of your home, your personal belongings as well as offer liability coverage for injuries or damages caused to others.
Specific exclusions and coverage detail vary by insurance carrier that’s why we encourage our clients to talk with us on an annual basis to review any changes in their home with regard to areas of coverage. If you are expanding the footprint of your home and putting on an addition or maybe adding a pool or a screened in area, we want to know these details so this can be included in your current policy.
With a typical homeowners insurance policy, the physical structure of your home including the walls, foundation, roof, and attached items such as your garage are covered in the policy. The coverage amount is usually based on the estimated cost to rebuild your home.
If you have other structures on your property that are detached, these items can be covered under a “other structure” coverage. Your belongings inside your home would be covered under personal property coverage, these items include furniture, clothing, electronics.
A homeowners insurance policy can also provide liability coverage in the event somebody is injured on your property. Part of your homeowners’ insurance policy may also provide medical coverage for others who may get injured while on your property. If your home becomes uninhabitable due to a covered loss (fire, tornado, etc.) having loss of use coverage can be a life saver for policy holders needing help in covering temporary living expenses.
What types of situations are typically not covered by a standard homeowners insurance policy?
1) Earthquakes
2) Floods
3) Landslides
4) Homeowner maintenance
What if I need more coverage than the standard homeowners insurance policy?
We are happy to tailor an insurance policy to meet your needs. If you are looking for homeowners insurance in Florida we can certainly help you. Our homeowners insurance agency is located in Mt. Dora, FL, but we can write policies throughout the state.
Are you looking for better homeowners insurance in Eustis?
Searching for a more affordable homeowners insurance policy in Tavares?
Do you want to speak with a local homeowners insurance agent in Fruitland Park?
Want more home insurance options near Leesburg?
Our Mount Dora home insurance office can help you!
We are often asked how much homeowners insurance should cost on a $200,000 house, while other people want to know how much home insurance will cost on a $350,000 home. We can help guide you to get answers to these questions. Do you need a homeowners insurance rate for seniors? Give us a call.
If you have insurance with another agency and are looking for a competitive home insurance quote, we can discuss just your homeowners policy. You can certainly have home owners insurance without car insurance when you work with our agency. If your homeowners insurance is too high, give us a call and let’s discuss.
Our local agents live in Lake County and are available to talk on the phone or you can stop by our Mt. Dora, Florida home insurance office located at 4280 County Rd 19A #9, Mt Dora, FL 32757. Our insurance agents are available for phone conversations Monday through Friday between 8am and 5pm. Please call us at 352-357-1994.
We look forward to answering your homeowners insurance questions.