There are plenty of hazards that can affect a home in Jacksonville Beach, Nocatee, Orange Park, Ponte Verda Beach, St. Augustine, and the surrounding areas. It is known that hurricanes are regularly possible, but other incidents can also affect a home. This is why having a homeowners insurance policy from Insuracana is so important so that you can repair and rebuild after damage happens to your home. But homeowners insurance covers more than just the structure of the home, it also covers all of your belongings and more. It even provides liability coverage as well. Contact our team today to discuss your homeowners insurance to make sure it has everything covered that you need.
The Four Main Coverage Types
Your homeowner insurance policy typically will have four types of coverage to it. The first part is coverage for the home itself, but it can also extend to other structures on the property such as a detached garage, shed, fence, or other structure. It is important that the policy states all structures that are to be insured so that you don’t find out otherwise later when it really matters.
Your homeowners insurance should also cover your personal belongings that are in the home. Your clothes, appliances, furniture, and more will be insured, usually collectively referred to as the contents of the home. If you have expensive items such as jewelry, paintings, antiques, or other such items, you will likely need to add a rider to your homeowners insurance to make sure that they are protected as well.
Your homeowners insurance will also provide you with liability insurance coverage should someone be injured or you damage property. It will also provide you with living expenses while your home is being repaired, such as paying for lodging, meals, and even travel expenses.
Lots of Different Events That Are Covered
Your homeowners insurance will cover damage from a variety of different events. Some of them include damage from a vehicle, damage from fire or lightning, a windstorm or hail, vandalism, theft, falling objects, and plenty more. In most cases, flooding is not covered by homeowners insurance, but there are flood policies that you can get to supplement in case this is a concern for where you live in Jacksonville Beach, Nocatee, Orange Park, Ponte Verda Beach, St. Augustine, and the surrounding areas.
Not only do you want to protect your home as your place that you live, likely your mortgage lender will also require you to have homeowners insurance so that they don’t lose money should something catastrophic happen. Contact our team at Insuracana today to have us shop the insurance market to help you find the best homeowners insurance policy for your needs.