Category: General

Welcome To Our New Website!

Posted on January 25, 2018 (October 21, 2021) by developer

Gator Insurance has a brand new website =) […]

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As an independent agency, we are here to help you find the right coverage.

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Please be aware that insurance coverage cannot be automatically bound or changed via email, voice mail, or facsimile. No binder, insurance policy, change, addition, reinstatement, renewal and/or deletion to your insurance coverage goes into effect unless and until confirmed and accepted by your insurance carrier.

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Vandalism

Risk Factor

Typically, people think of vandalism as graffitied walls or smashed windows, but vandalism can include any intentional damage or destruction of your property.

Solution

Luckily, most homeowner’s insurance policies cover all acts of vandalism to your property, both inside and outside of your home. That includes if someone eggs your garage, spray paints the car in your driveway, or breaks in and defaces belongings inside your home.

Natural Disasters

Risk Factor

Natural disasters can occur at any time, often without enough warning to properly prepare. Florida storms and hurricanes can cause significant damage to your home and property.

Solution

Homeowner’s insurance will cover the cost of repairs for most damage caused by natural disasters, such as shattered windows or trees falling on your home. It is important to purchase separate flood insurance, especially if you live in Florida, as most homeowner’s policies will not cover damages due to flooding.

Fire

Risk Factor

A fire is one of the most devastating disasters that can happen in your home. Fires can happen in any number of ways, but they most often begin in the kitchen. With the rising cost of building materials, repairing damage or completely rebuilding your home could be a significant financial investment.

Solution

When deciding on the level of homeowner’s insurance coverage that you need, consider a plan that will account for replacement costs above the actual value of the home due to increased costs for building materials and construction.

Medical Expenses

Risk Factor

If a guest is injured on your property, whether it be your friendly neighbor or a food delivery person, you are legally responsible for their medical expenses.

Solution

With the right homeowner’s insurance coverage, if somebody gets injured on your property and requires medical attention, you can submit their medical expenses to your insurance carrier.

Valuable and Collectible Items

Risk Factor

Typical homeowner’s policies will compensate you for the loss of stolen belongings or damage to your personal property if theft occurs. However, an item with unique value may not be covered by the average policy.

Solution

If you possess valuable or collectible items, you may want to take stock of your home inventory of possessions and add valuable personal property insurance to your standard homeowner’s policy. Valuable personal property insurance protects you from losses if items such as jewelry, artwork, and antiques are lost due to loss, theft, damage, or disaster.

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