Many people have a dream of being a homeowner. If you have achieved your dream and can afford a home of your own in Florida, the first thing you should do is buy a home insurance plan. Your house is likely going to be your most expensive asset; therefore, you should protect it. The coverage included in a home insurance policy would protect your house, you, and your family.
If your home is damaged or destroyed due to fire, severe weather, or falling objects, your home insurance will pay to repair your home’s structure or rebuild it. This will prevent you from having to pay thousands of dollars out of your own pocket. The structural damage also covers structures attached to your homes such as an attached garage or a deck.
Your home insurance will cover more than your house and the attached structures. Your insurance will also cover other structures on your property, such as a detached garage, storage shed, fencing, and a pool. If these structures are damaged by fire, severe weather, or falling objects, the other structure’s covers would pay.
Because everything you own will be in your house, you are going to want personal belongings coverage. If your things are damaged or destroyed along with your house, this coverage will pay to repair or replace your items. If your home is robbed, anything stolen would be covered.
Liability coverage is essential because it will protect your assets. If someone is injured in your house or on your property, your liability coverage will cover their medical bills. It will also cover any other costs associated with the accident.
Liability coverage extends to issues off your property. For example, if your child throws a baseball through a neighbor’s window, your liability insurance would pay for the repairs.
If your house is damaged or destroyed and is not livable, the additional living cost coverage would pay for your lodging and food until you can get back into your house.
If you just bought a house, contact InMore Group Inc. in Miami, FL. Our agents can help you buy a policy that will provide the protection you need for your new home. To get your policy started, give us a call or stop by the office today.
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7190 sw 87th Ave Ste 402 | Miami, FL 33173