The Basics of your FL Home Insurance Coverage

It’s not just those first time homeowners that need to know what their home insurance covers! In all likelihood, even if you’ve had a FL home insurance policy for most of your life, you’re a little fuzzy on the details of exactly what is covered in the case of a claim. So, here is a refresh on what is covered in a basic homeowners insurance policy:

  • Fire, Lightning, and smoke damage: great to have in the droughts that plague Florida every now and then.
  • Ice, snow, and frozen pipes: for FL home insurance, this is not usually a concern, but still good to know just in case!
  • Theft: property kept in your home is covered in the case of theft. Because of this, it is very important to keep a record of all your possessions.
  • Liability coverage: also included in most cases, this protects you in the scenario that someone is injured on your property. It will also pay for court fees if needed.

These, of course, are just the basics of a FL home insurance policy. It is important to call your agent and review your personal policy in more detail to get a solid idea of what your specific coverage includes. This will also give you the opportunity to speak with your agent about what additional coverage you may want to have, such as Florida flood insurance. These additional policies may be recommended based on your housing location, or other personal needs.