Every homeowner in Florida knows the importance of getting home insurance. At Karla Salmon Insurance Agency, we provide home insurance policies for Oviedo, FL residents and those in the surrounding areas. Home insurance provides protection against damage due to unforeseeable events. These events include fire, water damage, storm damage, and burglary. Homeowners thinking of taking a mortgage on the home should get a home insurance policy as most lenders put it as one of the terms.
A home insurance policy in Florida provides coverage for the following:
Home Insurance coverage
Home Insurance covers the house itself. The policy owner gets compensated if the house is damaged by any covered loss. For a detailed list of covered losses, please reach out to us.
Other structures in the home include the garage, sheds, and fences. These structures are protected by the policy, and the policyholders get compensated if they get damaged as a result of any covered loss.
Home insurance also covers personal property. Personal property is anything contained in the house and the other structures. The policy owner gets protection from any loss incurred through any covered loss.
However, there is a limit to personal property, and homeowners need to get additional policies if there are valuable items in the house.
Personal liability provides protection against lawsuits when guests and other people are injured in the home. It also provides protection if someone else's property is damaged in the home. The coverage comes in handy as it helps cater for expensive legal costs that would have been incurred by the policyholder.
Accidents can occur anywhere and anytime. The accident might occur at the home of the policy owner making the injured party need medical attention. The cover ensures the injured party gets the medical treatment they need. It reduces the number of people suing for bodily injury.
At Karla Salmon Insurance Agency, we guide you on the best home insurance policy you can get in Oviedo, FL. You can also use our online rating tool to find the value of your auto or home policy. Call our agents or visit us to discuss your needs for home insurance.