Homeowners Insurance Coverages

Do You Have Additional Coverage For Homeowners Insurance?

When you’re searching for homeowners insurance, think about it as more than just a piece of paper that could save your property “just in case”. Think about it as the one document that can save your home in case of unwanted damage.


Things the homeowners insurance should cover – basics

So when choosing the right homeowners insurance for you, make sure it suits your needs and that it also covers any unpredictable damages. For example, if you live in Coral Gables, Cutler Bay, Kendale Lakes, Kendall, Miami, Palmetto Bay, Pinecrest, The Hammocks, then it is better to choose a type of policy that suits the type of your home, your property’s location, as well as your lifestyle.

It is equally important to stay within your budget when searching for homeowners insurance. But if you feel like the policy is not enough, consider choosing some additional coverage. When all the documents are ready, you want to be sure that the homeowners insurance covers the costs of rebuilding and furnishing your home.


Why get additional coverage for homeowners insurance?

Additional coverage is not compulsory, it is optional. However, many insurance agents recommend it to people who feel like the standard homeowners insurance is not what they really need to keep their property safe.

To answer the question above, you should get additional coverage if you don’t think your property is fully covered by your standard insurance. Here are some examples of additional coverage for homeowners insurance that you can get in your area from Coral Gables, Cutler Bay, Kendale Lakes, Kendall, Miami, Palmetto Bay, Pinecrest, The Hammocks:

–          Special coverage for contents

–          Contents replacement cost coverage

–          Valuable items plus

–          Coverage for water back-up

–          Green home coverage

Most people who get additional coverage for their homeowners insurance do it for flood coverage. Flood coverage is not included in a standard home insurance, so if you live in an area that can be affected by flooding it is a type of additional coverage you should take into consideration.

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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