Homeowners Insurance
Homeowners Insurance
While your home is your sanctuary, things can go wrong. Your home can get damaged from a fire or a weather-related event. Stuff can get stolen. Someone visiting you can trip and fall in the house and get injured. Make sure you’re well protected with homeowners insurance from Flagler Insurance Agency.
What Does Home Insurance Cover?
A homeowners policy covers your home and personal property for damage caused by fire, crime, and vandalism. If you need to leave your house while repairs or rebuilding occurs, you’ll have coverage to help pay for additional temporary living expenses.
Homeowners insurance also protects you against legal claims for damage or injury you accidentally cause others, up to your policy limits. The policy will help pay for medical bills if someone is injured at your place.
Flood damage is not covered and requires a separate policy, which we can discuss with you.
How Much Coverage Do You Need?
It’s important for you to adequately determine your property value to replace your home in the event of a catastrophic loss. You need to factor in local construction and labor costs.
For your personal property, it’s a good idea to inventory everything. Typically, a homeowners policy will cover your personal property at 50% of the dwelling coverage.
In terms of liability insurance, typically, a standard policy provides up to $100,000 in coverage. You can purchase additional liability limits with a personal umbrella policy to protect your assets.
Our staff will review everything you need to know to get the right homeowners insurance to fit your needs. We understand it’s a tough insurance market and are here to help you.
