Little-Known Benefits of a Good Homeowners’ Insurance Policy

If an accident or an environmental crisis occurs on your property, home insurance in Nocatee FL will protect your family and your finances. While these policies typically include property and liability coverage, damages due to flooding are usually left uncovered. It’s important to understand the coverage for which you qualify, but it is also crucial to learn about some little-known benefits of home insurance.

Coverage for Animal Attacks

Though you may not realize it, the liability coverage from a home insurance policy may offer protection against animal bites. Most policies provide coverage between $100,000 and $300,000, and you may not realize how important that coverage is until it’s time to make a claim.

Bringing the Home Up to Code After a Loss

If there’s a house fire or another disaster, your insurance may cover the cost of new mandates in addition to the fire damage. For instance, if a new law requires the addition of fire sprinklers, your policy may cover the cost of installation.

Power Outage Problems

If you’ve ever had to empty the refrigerator after a power outage, you may be pleasantly surprised to find out that your home insurance in Nocatee FL may cover the cost of restocking the fridge. Most home insurance policies offer up to $500 in coverage for power outage-related food losses.

Traveling Family Members and Their Belongings

If you have a college student in the family, the liability and personal property coverage in your home insurance policy follows them to school and will stay with them until they turn 26. However, there may be limits to personal property coverage, and if they move to a place where they need renter’s insurance, they are no longer covered.

Conclusion

Knowing about the protections provided by a home insurance policy may make the difference between panic and relief after a disaster. Talk to an insurance agent to learn about your policy and what it covers.

For more information visit ThompsonBaker.com.

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