Home Insurance in Florida
Getting the correct type of home insurance within Florida will likely not be a straightforward process, especially if you are a first-time homeowner. Fortunately, this is a challenge that Insurance Warehouses of America understands, with the following guide discussing types of policies to consider getting to keep your Orlando, FL property safe.
Building Coverage
Building coverage keeps the structure of your home protected when covered perils arise. Examples of hazards that this policy takes care of include hail, fire, and lightning. This ensures that your home's foundation is safe, along with your ceiling, floors, and walls. If you have detached structures such as garages, this coverage also provides compensation for fixing such areas when they get destroyed.
Liability Coverage
Liability coverage encompasses two protection features, with the first being bodily injury liability. This protects you when your guests get injured in your home and help you cover the ensuing medical costs. The second is property damage liability, which provides compensation when you need to fix your guest's property. This policy also extends to lawsuit coverage and will help you take care of your legal fees.
Content Coverage
Content coverage keeps your personal belongings safe when you encounter unforeseen emergencies. It ensures that content such as furniture, electronics, and clothing are covered and will provide compensation for fixing or replacing them after disasters strike. Examples of covered perils include theft, fire, vandalism, or hail. Keep in mind that this policy will not protect expensive items such as fine art.
Additional Living Expenses Coverage
Lastly, additional living expenses coverage pays for your accommodation expenses when your home becomes uninhabitable after covered hazards occur. Examples of these will often be fire or hail incidents. This policy will pay for your hotel fees, transportation, and meal costs.
To get home insurance within Orlando, FL, consider giving Insurance Warehouses of America a call today. Our policies are customized to offer protection to homeowners within Florida.
