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The Wurzel Agency

1942 W County Road 419, Suite 1000,
Oviedo, FL 32766

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Florida Homeowners with Home Insurance Coverage

Home Insurance in Florida

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.

What Does Homeowners Insurance Cover?

Section I of your home insurance policy from The Wurzel Agency Inc. 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.

  • Additional living expenses help you and your family pay for relocation to a hotel if major damages occurred to your home and you can't live in it. It pays for your food, housing, relocation and storage fees, utilities, and furniture rentals needed while you are displaced from your home.
  • Personal liability protects you in the case of a claim or lawsuit that results from bodily injury or property damage to another party that is not auto-related. In this case, your policy will pay the claim plus your legal fees up to the maximum policy limits.
  • Medical payments will pay medical expenses of persons that are accidentally injured at your home, regardless of which party is at fault. It doesn't cover injuries to yourself or your family members, but only others.

We at the Wurzel Agency Inc. 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 in Oviedo, FL for help in securing a home policy that will secure your future at the same time. Contact our agents in Oviedo, FL to get a quote.

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