A homeowners insurance policy generally provides coverage for structural damage to your home, your personal property, liability protection, and the cost of temporary housing if your home becomes uninhabitable due to a covered event.
What is not covered by standard homeowners' insurance?
Standard policies typically exclude coverage for flood damage, earthquakes, normal wear and tear, pest infestations, and routine maintenance problems. You may need to purchase additional policies or endorsements for these situations.
How much homeowners' insurance do I need?
Your coverage should be sufficient to rebuild your home based on current construction costs, replace your personal belongings, and provide adequate liability protection for your assets.
What types of auto insurance coverage are available?
Available coverage options include liability, collision, comprehensive, uninsured/underinsured motorist protection, medical payments, and no-fault protection.
Is auto insurance required by law?
Florida law mandates that drivers carry $10,000 in personal injury protection and $10,000 in property damage liability coverage.
