There are many benefits to being a homeowner in Florida, but there are also major responsibilities. Making sure you have homeowners insurance should be a top priority. If you don't have a mortgage on your home, you aren't required to have insurance coverage on the property. Failing to consult a Fort Lauderdale FL insurance broker about homeowners insurance can be quite detrimental in the event that your property or possessions are damaged.
If you have a mortgage on your home, your mortgage company will want a copy of your homeowners insurance policy to prove that you have adequate coverage on the home's structure. If you cannot prove to the mortgage company that you have insurance coverage, the mortgage company will place hazard insurance on your home.
You are better off getting your own insurance instead of having the bank placing hazard insurance on the house. The bank may choose to get a minimal level of insurance that only covers unintentional damage to the structure of the house. Hazard insurance also tends to be quite expensive. If you choose your own insurance, you can obtain a policy that provides more comprehensive coverage at a an affordable price.
When you consult a Florida insurance broker, you can discuss getting a comprehensive homeowners policy that covers the house, your personal items, and other structures on the property. You can also find out about coverage that protects you if someone is physically hurt or injured on the property.
Wind, hail, fire, and water can cause serious damage to your home. If many contents are damaged or destroyed in the house, it can be very expensive to replace them. Furniture, audio equipment, refrigerators, stoves, jewelry, walls, floors, ceilings are some of the contents that could become damaged or destroyed. A homeowners policy will help you cover the cost of replacing those valuable items.
Contact a Florida insurance broker in Fort Lauderdale to review your options for a homeowners insurance policy that fits your budget and needs. Never take chances with one of the largest investments in your life, your home, and its contents. If you reside in a designated flood zone, the broker can help you get coverage for damages potentially caused by floods as well.
If you have a mortgage on your home, your mortgage company will want a copy of your homeowners insurance policy to prove that you have adequate coverage on the home's structure. If you cannot prove to the mortgage company that you have insurance coverage, the mortgage company will place hazard insurance on your home.
You are better off getting your own insurance instead of having the bank placing hazard insurance on the house. The bank may choose to get a minimal level of insurance that only covers unintentional damage to the structure of the house. Hazard insurance also tends to be quite expensive. If you choose your own insurance, you can obtain a policy that provides more comprehensive coverage at a an affordable price.
When you consult a Florida insurance broker, you can discuss getting a comprehensive homeowners policy that covers the house, your personal items, and other structures on the property. You can also find out about coverage that protects you if someone is physically hurt or injured on the property.
Wind, hail, fire, and water can cause serious damage to your home. If many contents are damaged or destroyed in the house, it can be very expensive to replace them. Furniture, audio equipment, refrigerators, stoves, jewelry, walls, floors, ceilings are some of the contents that could become damaged or destroyed. A homeowners policy will help you cover the cost of replacing those valuable items.
Contact a Florida insurance broker in Fort Lauderdale to review your options for a homeowners insurance policy that fits your budget and needs. Never take chances with one of the largest investments in your life, your home, and its contents. If you reside in a designated flood zone, the broker can help you get coverage for damages potentially caused by floods as well.
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