Homeowners Insurance in Stuart, FL
Navigating homeowners insurance in Florida can be challenging, especially if you just bought your first home. At R.V. Johnson Agency, Inc, we can help you understand homeowners insurance and find the coverage that suits your circumstances.
What Does It Cover?
While specifics can vary depending on the insurer, a standard homeowners insurance policy offers coverage for the following:
- Damage to your home’s attached structures like walls, windows, doors, roofs and foundation
- Damage to detached structures such as fences and sheds
- Losses related to causing damage to someone else’s property
- Medical expenses of a third party who is injured on your property
- Hotel accommodation, meals and other necessities if a covered occurrence damages your property, forcing you to temporarily seek shelter somewhere else
- Damage to appliances, clothes and electronics, subject to coverage limits. You can talk to your broker if you want to insure high-value items like fine art, collectibles and jewelry.
Why Do I Need Homeowners Insurance?
While homeowners’ insurance is not legally required in Florida, your lender may ask for proof of insurance if your property is financed. Even if your home ispaid off, it’s beneficial for you to insure your home against losses caused by unexpected perils.
How Much Will It Cost to Insure My Home?
The cost of insuring your home in Florida can depend on several factors. These may Include, but are not limited to:
- Prior claims
- Location
- Property type and value
- Coverage limits
- Deductible
Where Can I Get Homeowners Insurance?
Contact R.V. Johnson Agency, Inc today for a personalized quote or to learn more about your homeowners insurance options.