315 East Hollywood Blvd 4-AMary Esther, FL 32569

Your protection is our priority

Call Us: 850-244-3306

Auto

We are happy to assist you in selecting the best coverage.

Get a Quote

Home

We get you the right coverage for the right price.

Get a Quote

Business

We offer free quotes and dedicated personal service.

Get a Quote
Home » Homeowners Insurance

Homeowners Insurance

Homeowners insurance is essential for all anyone who owns a home. A homeowners insurance policy typically includes coverage options for the physical dwelling, personal belongings, third-party liability and additional living expenses. Without insurance, a homeowner would have to pay for costly incidents out of pocket.

What Does Homeowners Insurance Cover?

Homeowners insurance policies typically include the following coverages:

  • Dwelling coverage may help protect the physical structure of your home, including the walls, roof, floors and foundation, against covered perils such as fire.
  • Personal property coverage may help cover your belongings within the home, such as furniture, appliances, electronics and clothing. If these items are damaged or stolen due to covered perils, home insurance may help reimburse you for the loss.
  • Liability coverage may help cover medical expenses and legal fees if someone is injured on your property and you are found legally responsible. It may also extend to incidents outside your property involving you or your family members’ actions.
  • Additional living expense coverage may help cover temporary living expenses, such as hotel stays and meals, if you can’t live in your home due to a covered loss.

How Is Homeowners Insurance Calculated?

The following are several factors that insurance companies may consider when determining the premium for a homeowners insurance policy:

  • Property value
  • Geographic location
  • The cost to rebuild or replace your home
  • Your deductible
  • Home features and condition
  • Coverage limits and options
  • Your claims history

How Much Coverage Do I Need?

As a homeowner, you generally want enough insurance to help cover rebuilding or repairing your home after an incident. You may also need coverage to replace or repair your belongings, financially protect yourself against liability claims, and cover living expenses if you cannot live in your home while repairs are made following a covered event.

If you need a homeowners insurance policy or want to evaluate whether your coverage is adequate, contact The Insurance Center of NW FL. We can help make sure you have the right coverage for your property.

 

Home Insurance Claims