What Does Your Homeowners’ Insurance Cover?

Florida Homeowners Insurance covers damage to your property and its contents as well as liability protection. If injuries occur on your property that you are legally liable for, your homeowners’ insurance coverage will likely protect you. Additionally, coverage extends to include property damage you or members of your family cause to other people.  A standard homeowners’ policy only covers the basics and does not provide flood insurance that should be purchased in addition to your regular homeowners’ policy if you live near the water as most Floridians do.  there are also limits to the liability coverage included in your policy should someone be hurt on your property.  It pays to investigate the options that exist to really protect you.

As a Florida Homeowner, it’s important to maintain your home with frequent checks for termites, mold and other hazards native to this environment.  While your Florida homeowner’s insurance will fix your roof and replace damaged items in your home if a tree falls into your house, it will not pay for damage caused by neglect as a rule.

Talk with your Brown Insurance Services agent for more information on the best way to protect your home from accidents and disasters.