How to Buy Homeowner’s Insurance in Orlando

Your Orlando home may be where you live all year long, or just for part of the year. It doesn’t matter how often you live there. What matters is that you know how to buy homeowner’s insurance that you can count on. This means learning about what comes standard and what you may want to add to the policy so that there is never an issue where a claim could be denied.

Understand Standard Coverage

Standard coverage on homeowner’s insurance generally consists of four things in Florida:

• Liability
• Dwelling
• Belongings
• Loss of use

Each of these are very different and are equally important to you as a homeowner. The liability will cover injuries and issues that happen to others inside your home. It will also cover issues as they arise in the homes of others by members of your family. This includes if your child hits a home run in your backyard and the baseball goes flying through your neighbor’s window.

The dwelling is your home itself. The coverage is for such things as burglaries, fire, and storms.

All of your belongings inside the home are covered, too. This includes clothing, furniture, and various other items that you have.

Finally, loss of use is almost always encompassed. If something happens to your home and you are unable to live in it temporarily, the insurance company will cover the cost for you to stay elsewhere until your home is repaired.

Explore Add-Ons

You may think that the standard coverage is all you could possibly need for homeowner’s insurance in Orlando. However, that’s where many make the mistake. Add-ons are available to ensure you have all the coverage you need.

As you look back on the standard items, there’s ways to add more coverage. Liability coverage can be added to cover you in more instances, such as if you throw a party and someone hurts themselves or gets a DUI driving home. The dwelling may need to be revised to include other buildings on your property. Belongings may need to be upgraded with luxury coverage for fine art, collectibles, or fine jewelry. Even the loss of use may need to be explored as it may not be there or may not cover all issues that could cause you to temporarily have to vacate your home.

Work with an Insurance Agent

It all comes down to wanting the best for your home. It doesn’t matter whether you have a condo, a duplex, a townhome, or a single family home. You want the coverage so that if there is an issue, you can file a claim. Instead of trying to do everything on your own, you can work with an independent insurance agent who specializes in homeowner’s insurance. An agent can answer questions, get quotes from the insurance companies that write policies in Florida, and ensure you’re getting the right policy for you and your family.