Homeowners insurance provides coverage in the event of damage to your property, as well as liability for injuries and damage you cause to other people.
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Homeowners insurance highlights
Your home – should be insured for an amount based on the replacement cost value of your property. Replacement cost is what it would cost today to rebuild your house in the event of a loss based on current building codes. There usually is a deductible, which is an amount you would be responsible for before the policy starts to pay out.
Personal property – policies automatically provide a separate amount to cover your personal belongings; however, there is a deductible. We suggest our clients create a home inventory. In the event of a claim, it will make it much easier to document your loss and make the claims process much easier.
Personal Liability – if you are legally responsible for an injury to a guest or for damage you cause to another person’s property, the personal liability section of your policy can provide important protection.
Other structures -basic coverage is included for any detached structures on your property. Examples include sheds, garages, or fences. There are specific limits on the amount of coverage available for these types of structures depending on the amount of coverage for the home itself.
Loss of use of home – if your home were to become uninhabitable, your policy can provide valuable benefits to help you with additional living expenses.
Contact us and one of our specialists will be happy to assist you. We take the time to understand your unique situation in order to provide you with an insurance program that meets your specific needs.
1408 N. Westshore Blvd.
Tampa, FL 33607
There are no fees associated with providing you a quote on your insurance policy. Insurance rates are based on many factors including all aspects of your business. To decrease your insurance premiums, one option is to look for discounts from your insurer. Just as it’s possible for your rates to increase because of claims, they can decrease due to more limited claim submission. Though it varies by state, other factors that insurance companies may take into account include size and scope of your business.
Of course, your coverage options can impact your premiums too. Most states have certain minimum general liability and workman’s comp coverage amounts that must be met to comply with the law, but this coverage alone may not be enough to protect your entire business. You’ll likely want to consider adding additional coverage options to your policy, which can affect your premiums.
How much coverage you choose and your deductible amounts will also impact your rates. Higher deductibles, for example, can lead to lower premiums. But keep in mind that if you are involved in a claim you may have to pay that deductible amount yourself before your insurance begins to cover any damages. Therefore it’s always wise to balance premium costs with how much you can afford to pay out of pocket.