Florida home insurance knowledge is easy to acquire from any Florida home insurance blog website, but it is a lot better if you refer to trusted home insurance agents who write about and gain experience in the market on a daily basis, like us. There are good names in the industry such as Safeway, Tower Hill, Southern Fidelity and St. John’s, to name a few. We make it a point to show you how to get low rates with these companies.

Your home is one of the most valuable things in your life and buying it is one of the biggest purchases that you ever made. It is only but wise to protect it.

The Basics of Florida Home Insurance

Here are some home insurance basics everyone must be aware of.

• Property

Homeowners insurance policies can be made to cover or include properties other than the house. Add a little bit to your premiums and from your electronics, past jewelry, shingles, and flooring to life savings can be accommodated to your home insurance.

Florida home insurance blog comments show that home insurance policy holders are happy with the way insurance companies have allowed such additions. Now, damage to personal property, vandalism and theft, legal responsibility for accidental damage or injury to other persons and their properties are fully covered in extended policies.

It is highly recommended that you record your properties – everything that you own. Aside from a list, get pictures or make a video of these properties. Make copies of these records to be kept in places other than your home – perhaps in a vault. Also keep a record of how much they are worth. These form your evidence in case you will need to file a claim.

• Deductible

In the event that you have to file a claim, you will have to pay an amount called “deductible.” For instance, if the worth of fire damage is $10,000, you may be required to pay, say $50. This is very manageable for nearly all households than getting to pay for everything (for not having acquired home insurance).

• House Mortgage

If your house is under mortgage, it is required of you to carry a home insurance. This is for an obvious reason. You don’t own your house until every penny is paid to the bank or your lender. They are just protecting their investment.

For those whose homes are not under mortgage or they own their houses outright, they are not required by law to acquire home insurance. But according to a Florida home insurance blog shared by a concerned policy holder, not having a home insurance is one of the biggest mistakes one can make.

RTC Insurance Advisors will find the most appropriate Florida home insurance for your needs in the matter of seconds. Call 352-200-2066 today to see how much you could be saving by switching to a competitive A rated carrier or fill out the form here and we’ll email you a quote.