What is the ultimate purpose of a homeowners’ policy? Home insurance is one of the most misunderstood insurance policies one can purchase. It is purchased to enable a homeowner to rebuild his or her home and life in the event of a total destruction. However, there is more to a Florida homeowners’ insurance policy, and EMERGE INSURANCE AGENCY was to make sure our client are educated to al the aspects of a policy. While some agencies may give you a quote with the “bare bones” coverage for your home, we will make sure your home is insured for full replacement cost value. We want to make sure you can replace your home in a chance of a catastrophic event.
The Basics of a Homeowner’s Insurance Policy
Most condo owners overlook condo insurance because they believe that the Condo Association has insurance that will cover them. Condo Associations take out insurance on the building’s structure and complex grounds, not the condo owner belongings. Condo owners should cover themselves for damage, theft, fire and vandalism with a Condo Insurance policy. The policy also provides coverage for personal liability, the same way a homeowner policy does.
A condo insurance policy offers you
In Florida, many landlord require tenants to have a liability insurance policy. But renter’s insurance covers your personal possessions if you rent a house or apartment. Renter’s insurance includes coverage for your personal property and also includes liability coverage, if someone happens to suffer an injury or damage and you are at fault.
Renter’s insurance is generally inexpensive and cost you less than $150 a year depending on your circumstances.
What to do it your coverage is cancelled
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Common Questions About Homeowners Insurance
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