Pip and property damage are manditory in the state of Florida
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Typically, people think of vandalism as graffitied walls or smashed windows, but vandalism can include any intentional damage or destruction of your property.
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 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.
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.
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.
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.
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.
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.
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.
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.