Home Insurance in Florida

Insurance is a vital necessity for any Florida home owner and it will help cover a myriad of claims that could happen to your home. There are many ins and outs to homeowners insurance though that can be difficult to understand. The residents of St. Augustine, FL have trusted Palm Valley Insurance, Inc. for years to help understand and work through home insurance questions.

Let's take a look at some of the facts you may not have known about home insurance.

Home insurance will, of course, cover your home, but to what extent? Basic home insurance will cover the actual structure as well as the personal belongings within the home. This is why it is a good idea to regularly go through your home and update what you have including electronics and appliances.

Home insurance will also cover any additional structures that are on your property such as a garage or a shed. There is also a particular portion of liability that is covered for anyone that may be injured while on your property as well as medical coverage for personal injury.

Besides the above basics, there are also several optional additions that can be added on to your home insurance. One popular addition is water backup coverage which will cover the damage caused by a backed up pipe or a burst pipe. It is important to note though that this will not cover damage from flash floods. You can also get scheduled personal property endorsement to go above and beyond the primary coverage. Another additional insurance that is popular is identity theft protection.

Further, if you feel that your basic insurance plan will not cover the cost to rebuild your home in the event of a disaster, you can get additional property insurance to help cover the building expenses.

If you are in search of new home insurance or want to make changes to your existing policy, give us a call today! We proudly serve residents in St. Augustine, FL and the surrounding Florida area. Our agents are on stand by at Palm Valley Insurance, Inc. to answer your questions and help guide you through the choices of home insurance. Also, try our online rating tool for quotes on home insurance from your computer. Palm Valley Insurance, Inc. looks forward to hearing from you.