Here is a list of common things that Homeowners Insurance Covers in Florida.

Here is a list of common things that Homeowners Insurance Covers in Florida.

If you have been looking into becoming a homeowner, then you may be starting to feel the pressure of homeowner responsibilities. From finding your dream home to figuring out your budget, the home buying process itself isn’t easy. However, once you get most of the nitty-gritty stuff out of the way and close on the home, you need to move on to real responsibilities. And we don’t mean decorating your home. We are talking about the hard stuff like the garbage pick-up fees, potential HOA memberships, and homeowner’s insurance. But, most importantly, the homeowner’s insurance. Without it, you may find your wallet hurting and your home unprotected. If you hear those two words and get overwhelmed, don’t worry, that’s completely normal for new homeowners. Here at Coastal Choice Insurance, located in Florida, we have all the information you need on homeowner’s insurance and what it covers.

Guest Injuries

If you are a social butterfly, then homeowner’s insurance may end up saving you from a social event catastrophe. Sometimes hanging out with friends and family can get a little on the wild side, and a freak accident happens. Whether it’s as small as someone tripping and falling or a whole broken bone, you do not want that incident on your hands. Even a minor injury such as a rolled ankle may warrant a doctor’s visit. If this happens, you are going to be thankful that you have homeowner’s insurance because your insurance company can cover guest injuries. Anyone who gets injured on your property can receive compensation for medical costs from your insurance company.

Miscellaneous Structures Are Covered!

Have you ever wondered what category things like the garage, shed, gazebo, barn, and patio fall into? If so, we have your answer for you. These all are considered miscellaneous structures, and yes, they are all covered by your homeowner’s insurance. You may be worried about these structures during storms as they tend to stand alone, but don’t worry, any damage that is inflicted on them will be able to be insured and fixed just like the rest of the property.

Personal Belongings Are Covered!

There’s a misconception that insurance will only cover the exterior of the home, but this could not be farther from the truth. Your insurance covers everything from outside the home, to your furniture. And if you think about it, it makes sense. Sometimes incidents like flooding, fires, and mold happen that can damage the home’s structure and your belongings. When this happens, it’s out of your control. And anything natural disaster-wise that occurs out of your control usually falls on the insurance companies shoulders.

Living Options Are Available!

Say your home gets flooded and you need to clear out for the dry out process. Where are you going to go? You may be able to stay with friends or family; however, that’s not always available, and you may not be able to crash with these people for more than a few nights. The most likely thing you are going to need to do is to find a hotel or Airbnb to stay out while your home is restored. Now, these overnights are going to cost you. But, you won’t have to pay nearly as much as you think you would when you have homeowner’s insurance. With insurance covering you, you will be able to have a place to sleep while your home is out of commission. And if you think something as disastrous as flooding or fire happening to you is impossible, think again. These natural occurrences happen to people randomly and unexpectedly, making it vital to have the necessary insurance coverage just in case.

Contact Us Today to Learn More!

If you have recently become a homeowner, congratulations! Owning a home is a huge accomplishment. Now that you own a home, it’s time to get homeowner’s insurance. With all the money put into being a homeowner, it’s safe to say that it is an investment worth protecting, which is exactly what insurance will do. To learn more about homeowner’s insurance and what it covers, or to learn about the services we offer here at Coastal Choice Insurance, located in Florida, give our team a call today at (877) 778-9295. Our team is looking forward to assisting you!