Do you need homeowners' insurance?
While it's not legally required in the state of Florida, you should definitely insure your home and its contents. A FL insurance broker can help you pick the right policy from a number of options.
A home insurance plan will cover damage to your house along with damages to any other building structures that exist on your property, vandalism or theft of belongings, temporary living expenses (in certain cases), and liability. Condo insurance functions a bit differently given that building damage is commonly assessed by the related condo association, but expenses such as these are covered as well.
The amount of coverage you need depends on the value of your home, its amenities, its location, etc. These things also affect your premiums. For example, if you have a swimming pool, you can be affected by the concept of "attractive nuisance" - meaning if somebody else's child sneaks into your yard and drowns in the pool, you are liable.
This means that you will either need to get a pool liability plan or simply ensure that the policy for your home is capable of covering swimming pool events. You can work with a broker to determine whether any amenities in your home affect your liability. Certain items of high value will need their own coverage. A policy that works well for one homeowner is not guaranteed to be the best one for you.
You should also bear in mind that flood damage is not going to be covered under your homeowners' insurance plan - which is important to remember when living in a flood-prone state like Florida. Binding separate flood insurance is essential.
In other words, the specific homeowners' insurance you need is determined by a variety of factors, and you should find a good, local broker in the Fort Lauderdale area. Brokers know the specific needs of your area - affected by property values, crime rates and climate - and have the right experience to select the perfect policy to give you the best coverage for affordable premiums.
While it's not legally required in the state of Florida, you should definitely insure your home and its contents. A FL insurance broker can help you pick the right policy from a number of options.
A home insurance plan will cover damage to your house along with damages to any other building structures that exist on your property, vandalism or theft of belongings, temporary living expenses (in certain cases), and liability. Condo insurance functions a bit differently given that building damage is commonly assessed by the related condo association, but expenses such as these are covered as well.
The amount of coverage you need depends on the value of your home, its amenities, its location, etc. These things also affect your premiums. For example, if you have a swimming pool, you can be affected by the concept of "attractive nuisance" - meaning if somebody else's child sneaks into your yard and drowns in the pool, you are liable.
This means that you will either need to get a pool liability plan or simply ensure that the policy for your home is capable of covering swimming pool events. You can work with a broker to determine whether any amenities in your home affect your liability. Certain items of high value will need their own coverage. A policy that works well for one homeowner is not guaranteed to be the best one for you.
You should also bear in mind that flood damage is not going to be covered under your homeowners' insurance plan - which is important to remember when living in a flood-prone state like Florida. Binding separate flood insurance is essential.
In other words, the specific homeowners' insurance you need is determined by a variety of factors, and you should find a good, local broker in the Fort Lauderdale area. Brokers know the specific needs of your area - affected by property values, crime rates and climate - and have the right experience to select the perfect policy to give you the best coverage for affordable premiums.
About the Author:
Get your home insurance options explained fully by a qualified Fort Lauderdale FL insurance broker. To visit the recommended website now, go to http://www.alexandergreep.com.
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