What Is Homeowners Insurance?
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.
Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.
Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners’ responsibility.
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Why do you need Homeowners Insurance?
- If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.
- If a guest in your home is injured, liability protection and medical coverage help pay expenses.
- If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
- If you are still paying for your home, your lender will require insurance.
It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what’s included and what is not.
Things to consider and questions to ask your agent.
- How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home's features and the things you own so you can make an informed decision about coverage.)
- What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)
- Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
- What's the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.)
It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what’s included and what is not.
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Why Choose
Home Port?
As an independent insurance agency we can offer the right coverages with the personal touch you would expect from your neighborhood insurance agent. With the right mix of carriers throughout the state of Florida, we are uniquely positioned to serve your neighborhood today!!
Get the best rates from the best carriers
We work with the highest quality carriers throughout the country to find you the best rates.
Long lasting relationships and excellent service
You always get the personalized touch you expect from your neighborhood agent.
Local service with national expertise
As Florida locals, we understand the unique risks you face in our beautiful state, and we have the resources and experience to keep you safe.
