Florida homeowners have unique needs when it comes to insurance. Many people have swimming pools or privacy fences. The weather is also more severe than in other areas. Should something happen to your house, it is important that the structure and your personal items are replaced as best they can be. Damage due to hurricanes, storms and heavy winds are just a few of the things that a good Central Florida homeowners insurance policy should cover.
Get a Plan
Basic insurance policies will cover damage to the interior and exterior of your home. Most of the time, this means that should something happen, the insurance company will see to it that repairs are made or your home is rebuilt. A basic policy also covers personal belongings, like clothing, furniture and other items.
However, according to the Insurance Information Institute, most companies only provide up to 70 percent of the amount of insurance you have on the structure of your home. Therefore, it may be important to get a additions to your policy that provide:
- Extended replacement coverage to ensure your home is rebuilt to the same standards
- Additional replacement coverage that replaces your items without regard to depreciation
- Personal liability
- Coverage for any assets such as pools and outbuildings
Getting a more inclusive Central Florida homeowners insurance policy will mean that all of your possessions are covered should a storm or other situation arise. Work with a company with extensive experience in providing coverage for Florida homes and their specific needs.