Unfortunately, there is no way to prevent a natural disaster, a burglary, fire, or flood. These things happen, and when they do, we can make sure your home is restored and that your family can move back in as soon as possible. That is what homeowner’s insurance is all about: protecting you against the unexpected. The key is to have an insurance policy that provides you with true protection, because when it comes to your home, you do not want to take any shortcuts. For a free policy review, call Suncoast Insurance LLC at 1-727-497-7701 and speak with a Suncoast Insurance agent.
A home insurance policy will pay to repair the damages caused to your home by a natural disaster, fire, break-in, etc. If you are in a flood zone, you should also obtain a flood insurance policy. Your policy can cover both the physical structure of your home and the belongings inside it. However, when you are getting or updating your policy, you need to let your insurance agent know what contents of your home you need to have insured in order to receive the right amount of coverage. You should also make sure your policy is high enough to pay off your mortgage or replace your home if it were destroyed.
If you own a condo, the exterior building should be insured by the condo association and the fees you pay to them. What is not insured is anything inside your interior walls, including your personal belongings. Without a personal condo insurance policy, you would not have coverage to replace your kitchen if there was a small fire or flood. You would not have coverage to replace your belongings after a break-in or a random natural disaster. In other words, the aspects of the condo that matter to you would not be insured. Do not let this happen. Getting a condo insurance policy is easy. All you need to do is call our St. Petersburg insurance office.
Just because you do not own your home, that does not make it any less important. Renters insurance will protect your family in the event of a disaster or break-in. We can give you a policy to cover your furniture and personal belongings since your landlord’s policy won’t. It can be incredibly expensive to replace a home full of furniture, electronics, and personal items. With the right insurance policy, you can replace everything right away.
Receive a custom quote for all your home insurance needs by calling us at 1-727-497-7701.