Things To Know About Home Insurance

When dealing with home insurance there some important things to know. Home insurance helps to protect one of your biggest investments and it is important that you get the right homeowners insurance for your needs. Local independent agents such as Filer Insurance have the experience, knowledge and connections to source best value home insurance for homeowners in Coral Gables, Miami and Pinecrest.

The first and most important thing to know about homeowners insurance is what you are covered for and what you are not covered for. For example if someone breaks into your home and steals your stuff you will expect your content insurance to cover you. Some content is included in a standard homeowner’s policy, but then again not all content.  Certain valuables have to be specified separately. Your home insurance policy may also have requirements that relate to alarm systems and security measures.  What if your home is damaged in a flood? Most homeowner’s insurance policies exclude flood damage.  You need separate flood insurance. What about other natural disasters – are you covered?

Another important thing to know about home insurance relates to limits. Insurance will only cover you to specified amounts. You need to consider whether your home insurance covers the replacement cost of your home and contents. If you need to raise the ceiling on limits you may need some form of umbrella insurance. Liabilities are also an important aspect of your homeowners insurance. Any accident or incident on your property that results in injury or damage to others can result in liability claims.

The cost of your homeowners insurance is also an important thing to know and consider. When you deal with an independent agent you will not only get professional advice regarding many aspects of home insurance, but you will also get the best possible deal in terms of cost and conditions.

At Filer Insurance, Inc., we have been providing Home, Auto and Business Insurance in Miami and South Florida since 1919.  We would very much like to have you as one of our customers.  Please give us call or come by our office for a free quote on your insurance.

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