When you think of Florida, the first thing you typically think of is the beautiful orange groves and palm trees. Unfortunately, the second thing you usually think of is hurricanes and tropical storms. Inclement tropical weather is just one facet to consider when owning a home in Florida and debating whether home insurance is a good idea or not. There are plenty of other facets that make home insurance a good idea in the state of Florida. The Wurzel Agency in Oviedo, FL offers home insurance and consultations to help you with your insurance needs.
What exactly does home insurance entail? Home insurance policies are typically offered a la carte, meaning that you have a base policy and can add additional types of coverage to the policy. We will cover a few of these types of policies below.
Flood insurance is sometimes offered separately as additional coverage to purchase to add to your main home insurance policy. Sometimes, the flood insurance is included with the home insurance policy, it’s all dependent on the insurance provider and the types of policies that they offer. Floods are an accepted consequence of living in a tropical area such as Florida. Heavy rains can form at any time and heavy rains are also a consequence of tropical storms and hurricanes.
Damages and Liabilities
Should your home be damaged from storms, winds, or fires, your home insurance policy will cover the home and everything in it. Many times, providers will offer rental coverage should you need to stay elsewhere while your home is being repaired for an insurance claim. The home insurance policy also includes liability insurance for your property to protect you from liable events that occur on your property.
To learn more about home insurance, please contact The Wurzel Agency in Oviedo, FL today!