Whether you own or are looking to purchase a home in Florida, home insurance is probably required if you have a loan. If getting a mortgage, your lender will probably ask you to obtain home insurance. Home insurance policies protect your home against fire, thefts, and other insured damages. At Lewis Insurance Group, LLC in Land O'Lakes, FL, we write home insurance policies for those all around the state.
Here are a few of our home insurance coverage options.
Personal property insurance protects the items in your home from various risks that can destroy them. Also, it covers belongings outside the house such as gazebos and garages. If stolen, destroyed in weather-related incidents that aren't hurricanes, or in case of a fire, your property is covered.
Additional living expense coverage helps pay for the increase in costs if your home is made temporarily uninhabitable. Suppose a deadly storm left your home unlivable, this option will pay for expenses such as hotel bills until the repairs to your home are complete.
You could be held legally responsible for damages or injuries sustained in your home. Personal liability insurance takes care of litigation fees and damages in case of a lawsuit. It protects you from out-of-pocket settlements of such risks.
It is also known as guest medical coverage. This coverage option takes care of medical bills in case an accident occurs in your house. If a guest gets injured in your home, this policy will pay for the medical expenses to avoid lawsuits.
Having served Florida for a while, we understand the insurance needs of the homeowners in the state. Our insurance coverage options are reliable and designed to meet all your insurance needs. We have a team of reputable agents that will advise you on the best coverage option for your home.
We want to help you find an ideal home insurance policy. Visit our office for a free quote and more information or try our online rating tool.