There are many responsibilities associated with owning a home in Florida. Having a homeowners insurance policy is a necessity if you received a mortgage to help purchase the property. Even if you don't have a mortgage, it's still beneficial to get insurance coverage from a Fort Lauderdale FL insurance broker to protect yourself from potential financial losses to your home and possessions.
If there is a mortgage, you'll be required to show the mortgage company that you have insurance on the property. If the mortgage company doesn't receive proof of insurance, you'll have to pay for the hazard insurance the mortgage company gets for the house.
You are better off getting your own insurance instead of having the bank placing hazard insurance on the house. The bank may choose to get a minimal level of insurance that only covers unintentional damage to the structure of the house. Hazard insurance also tends to be quite expensive. If you choose your own insurance, you can obtain a policy that provides more comprehensive coverage at a an affordable price.
When you consult a Florida insurance broker, you can discuss getting a comprehensive homeowners policy that covers the house, your personal items, and other structures on the property. You can also find out about coverage that protects you if someone is physically hurt or injured on the property.
Wind, hail, fire, and water can cause serious damage to your home. If many contents are damaged or destroyed in the house, it can be very expensive to replace them. Furniture, audio equipment, refrigerators, stoves, jewelry, walls, floors, ceilings are some of the contents that could become damaged or destroyed. A homeowners policy will help you cover the cost of replacing those valuable items.
Contact a Florida insurance broker in Fort Lauderdale to review your options for a homeowners insurance policy that fits your budget and needs. Never take chances with one of the largest investments in your life, your home, and its contents. If you reside in a designated flood zone, the broker can help you get coverage for damages potentially caused by floods as well.
If there is a mortgage, you'll be required to show the mortgage company that you have insurance on the property. If the mortgage company doesn't receive proof of insurance, you'll have to pay for the hazard insurance the mortgage company gets for the house.
You are better off getting your own insurance instead of having the bank placing hazard insurance on the house. The bank may choose to get a minimal level of insurance that only covers unintentional damage to the structure of the house. Hazard insurance also tends to be quite expensive. If you choose your own insurance, you can obtain a policy that provides more comprehensive coverage at a an affordable price.
When you consult a Florida insurance broker, you can discuss getting a comprehensive homeowners policy that covers the house, your personal items, and other structures on the property. You can also find out about coverage that protects you if someone is physically hurt or injured on the property.
Wind, hail, fire, and water can cause serious damage to your home. If many contents are damaged or destroyed in the house, it can be very expensive to replace them. Furniture, audio equipment, refrigerators, stoves, jewelry, walls, floors, ceilings are some of the contents that could become damaged or destroyed. A homeowners policy will help you cover the cost of replacing those valuable items.
Contact a Florida insurance broker in Fort Lauderdale to review your options for a homeowners insurance policy that fits your budget and needs. Never take chances with one of the largest investments in your life, your home, and its contents. If you reside in a designated flood zone, the broker can help you get coverage for damages potentially caused by floods as well.
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