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Homeowners Insurance

Homeowners Insurance Information

Florida homeowners face unique risks. At Casey Insurance Group, we know what an important investment your home is. We also know it is an expensive one, and you want to protect it as best you can. We are here to help you with homeowners insurance options to ensure you have adequate coverage.

What’s Covered Under Home Insurance?

Each policy is unique, offering various coverages depending on your needs. Here are some of the most common coverages:

Possessions insurance—This portion of your policy protects the personal belongings in your home, such as furniture, electronics and clothes. Depending on the value of the items you want to insure, it may be beneficial to purchase a scheduled items rider since many property protection policies only cover replacement or repairs up to a certain amount.

Liability coverage—If you accidentally harm someone or damage their property, this type of coverage will help you repay that person. This coverage typically kicks in whether you are on your own property or somewhere else when the incident occurs.

Structure protection—This portion of your policy insures the physical structure of your home against damages caused by fire, theft, vandalism and other unexpected incidents. If you have structures on your property such as fences or detached garages, many policies also offer detached structures protection so you can insure those buildings as well.

Additional living expense protection—This type of coverage helps you pay for living expenses such as hotel bills and meals if a covered event occurs in your home, making it uninhabitable for a short while.

You may also choose to add extra coverages to your policy, depending on your needs. Some common additional policies include umbrella liability insurance, flood insurance and earthquake and windstorm endorsements.

How Much Home Insurance Do I Need?

If you mortgage your home, your lender may require you to carry at least enough insurance to cover the replacement cost of your home before they approve a loan. But even without a mortgage, you should consider homeowners insurance to protect your home and the belongings within it.

In Florida, because you face unique weather threats, you may need to obtain additional coverages. Home insurance doesn’t typically cover losses related to flooding, so you may need to get flood insurance to be properly protected against the threat of hurricanes. Talk to your Casey Insurance Group agent today to learn more.

Is Homeowners Insurance Expensive?

The cost of your homeowners insurance policy can vary, depending on factors such as your home’s value and location, your credit score and the home’s security features. The cost also depends on the type of policy you choose and the coverage limits you select.