Cape Coral What is Homeowners Insurance
Protection for your most cherished asset..
Homeowners insurance for Florida residents protects you and your family from financial loss caused by storms, theft, floods, fire and other events. Options include a dwelling policy that will cover only the structure of your house or you can buy a homeowners policy which combines the five different types of coverage outlined below:
Personal property coverage will pay when certain household items such as furniture, appliances and clothing are stolen, damaged or destroyed.
Liability insurance protects against financial loss if you are found legally responsible for another´s injury or damage to their property.
Dwelling protects against damage to your home and any outbuildings, such as storage sheds or detached garages.
Loss of use helps with living expenses while your home is too damaged to live in during the repair process.
Medical payments cover medical bills for people injured while on your property and also pays for certain injuries that occur away from your home (ie. a dog bite).
Rates can vary widely among different Florida homeowners carriers, so it pays to let an experienced agent lead the way!