Orlando Homeowners Insurance Quote or Questions

Those of us fortunate enough to call Orlando, FL home enjoy many benefits such as warm weather and lots of fun in the sun at nearby beaches. Along with the pleasure of owning a home in Orlando, comes the responsibility of making sure that we are adequately insured against any of the bad things that might happen. Here at HIG insurance we will help you to find the best coverage for your money so that you can enjoy the peace of mind you deserve.

What does a standard Orlando home insurance policy cover? Home insurance coverage usually includes the following four essentials:

The structure or building including any other permanent structure on your property like garages etc.
The valuables you have inside your home.
Any liability you may incur because an individual gets hurt while in your home even if the injury is caused by a pet.
Additional expenses you may encounter as a result of a disaster covered in your policy such as a fire which makes it necessary to live outside the home while it is being repaired.

A standard Orlando homeowner’s insurance policy will cover you if you have to repair or rebuild your home due to the disasters covered in your policy. Events such as hail, hurricane, and lightening are covered however standard policies do not cover floods, earthquakes and general wear and tear. Speak to your agent about getting the additional coverage you may need for all eventualities in the Orlando FL area.

Only a fixed percentage of the amount of your Orlando homeowners insurance coverage is going to be available for repairing or rebuilding external structures such as garages, tool sheds and gazebos so be sure that you take that into consideration when making additions to your home or you may find that the money available to fix that nice gazebo you just built is not enough to replace it after the next hurricane hits. Bear in mind also that your insurance policy should be tailored specifically for you. This is why an experienced agent is invaluable when making these potentially life altering decisions.

If any of your personal belongings such as clothes, furniture, equipment and jewelry are stolen, or destroyed by an event included in your home insurance coverage, you will be able to claim between 50% - 70% of the amount your home is insured for. You may even be able to get off-premises coverage so that your personal property is covered any where in the world that they may get stolen or destroyed. Did you know that it is possible to have even your trees, plants and shrubs covered under your Florida homeowner’s insurance coverage? We have knowledgeable and experienced agents who will be happy to help you examine the details.

In these changing economic times saving on our home insurance is critical so taking the time to examine all the details will be worth every penny. For example if you raise your deductibles and lower your limits you may lower the cost of your homeowner’s insurance policy. However, determining whether that is a wise decision will depend on a collection of facts and the type of experience that a qualified HIG agent can provide. Speaking to one of our agents can help you make an informed decision based on information that we can help you to collect and experiences we have had in the past.

It bears repeating that understanding exactly the extent of coverage that your policy will provide is important. You may for example know that your home and its contents are covered but knowing the exact percentage of its value that will be paid out in comparison with the actual value of your possessions and what it would cost to rebuild or repair your home in today’s world and the world that is likely to exist in 5-10 years is another matter. To become reasonably assured of details such as these requires the kind of time, effort and experience that has been the business of HIG for generations. Let us help you figure out the details and gain the peace of mind and confidence needed to weather our changing and uncertain times.

Orlando Homeowners Insurance Quote or Questions

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