Homeowner’s Insurance

What does homeowners insurance cover?

A standard homeowners insurance policy (HO3) covers your home’s structure, personal belongings, liability, and additional living expenses. Coverage can vary depending on your home and location.

What does dwelling coverage protect?

Dwelling coverage protects the structure of your home, including the roof, walls, foundation, and attached structures. It helps cover damage from events like fire, storms, and vandalism.

What are other structures covered under homeowners insurance?

This coverage protects detached structures on your property, such as sheds, fences, detached garages, and pools.

What does liability coverage include?

Liability coverage helps pay for injuries or property damage you cause to others. It can also help cover legal expenses if a claim is filed against you.

What are additional living expenses (ALE)?

If your home becomes unlivable due to a covered loss, your policy may help pay for temporary housing, meals, and other living expenses.

What does homeowners insurance not cover in Florida?

Homeowners insurance typically does not cover flood damage, wear and tear, or maintenance issues. Flood insurance is purchased separately, and certain hurricane-related coverage may depend on your policy and deductible.

What makes homeowners insurance different in Florida?

Florida homeowners face unique risks such as hurricanes, wind damage, and rising rebuilding costs. Policies often include hurricane deductibles, roof age restrictions, and separate flood insurance requirements depending on location.

Why work with an independent insurance agency?

• Access to multiple insurance carriers
• Personalized coverage recommendations
• Local expertise in Florida insurance requirements
• Help comparing policies and coverage options
• Ongoing support as your needs change