Homeowners Insurance Florida | February is the month for love, and one of the most significant relationships you can have is that with your home. It’s the place you have dinner and play games with your family, it keeps you cool in warm weather and dry in the rain. Your home protects you and your family, and in turn home insurance protects your home, thus making home insurance a very important part of your life as well.
Your current relationship with your home could foretell future changes, and that could mean big (or sometimes small) changes to your home insurance policy as well.
What type of relationship do you have with your home, and what does it mean for the future of your home insurance policy?
You Love Your Home with a Capital L-O-V-E.
You adore your home. You may even think (dare we say it?) that it’s your forever home. Be sure to keep it maintained and secure. Do you have a security system installed in your home? There are many security options for homeowners these days, and it could mean a discount on your homeowners insurance as well.
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In addition to enhancing the security in your home, be sure to keep up with your home maintenance. It’s important to remember that homeowners insurance is for sudden and accidental losses, and maintenance is the homeowner’s responsibility (just as it’s a car owner’s responsibility to change the brakes and windshield wipers on their car). Routine home maintenance could help reduce the need to file a claim in the future.
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Lastly, be sure your home has the correct amount of insurance coverage. The easiest way to do this is to go over your policy with your American Integrity Insurance Agent. You can review our other products, like flood or umbrella, on our website beforehand as well.
You Still Love Your Home, But It’s Complicated…
Have you been glued to the TV watching home remodeling shows? If you want to make some modest updates to your home, like paint a room or change the knobs on your kitchen cabinets, chances are you may not need an adjustment on your homeowners policy.
However, if you’re ready to make some major updates to your home, like adding an additional bedroom or remodeling your kitchen, be sure to speak with your agent about adjusting the Dwelling (Coverage A) amount on your homeowners insurance policy. If you would like to build a structure that’s not attached to your home, such as a detached garage or gazebo, the Other Structures (Coverage B) amount on your policy would need to be adjusted.
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You Loved Your House in the Beginning, But Now You’re SO Over It.
Find yourself scrolling through real estate sites on your lunch break? It may be time for a new address. When it comes to buying a new home, there are key factors that could make a difference in your homeowners insurance, such as your home’s distance to the coast, what it’s made out of, and the shape of the roof.
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To learn more about insuring your home, contact an American Integrity Insurance Agent today.
American Integrity Insurance is committed to providing Florida homeowners with sound, comprehensive insurance coverage and an extraordinary customer experience. We strive to be a valued partner to our policyholders, agents, and community.
We offer traditional and high valued homeowners insurance, condo insurance, renters insurance, and the special coverage required for vacant homes, manufactured homes, and policies designed for those who need less coverage or are renting out their home. We also offer extra protection, including flood insurance, umbrella insurance, golf cart insurance, boat insurance, cyber coverage and identity theft protection as well as equipment breakdown coverage, to help address a broad range of needs facing Florida homeowners today.