The state of Florida does not require that you have home insurance. However, it will likely be required by your lender or mortgage company to protect their asset until your home is paid off. It is a good idea to have home insurance even when your home is paid off, as it protects you from so many perils and accidents that could affect the largest investment of your life, your home.
Section I of your home insurance policy from The Wurzel Agency is property coverage for the first four items. Generally, it covers the dwelling itself, other structures such as garages that are detached, sheds and fences, personal property, meaning the contents inside of your home and loss of use. It will also cover personal liability and medical payments to others.
We at The Wurzel Agency realize it can be quite a daunting task when purchasing home insurance. It's difficult to calculate how much insurance coverage you need, and it's not always based on the price of your home by itself. We also realize that homeowners in Florida are subject to heavy rain, storms, tornados, and hurricanes, which can be devastating if you don't have home insurance. We are here to help you and make sure you are fully covered. You can call us or come by the office for help in securing a home policy that will secure your future at the same time. Contact our agents to get a quote.