Southern Real Estate Sales, Formerly Pointe South Real Estate Sales

All About Your Homeowner’s Insurance

Posted on March 27, 2014

floodWhen we hear the word “insurance” we are left dwelling on the potentially negative thoughts of what COULD happen, and while not as exciting as living in your Northwest Florida home, it is important to safeguard it.

Luckily, here on the Gulf Coast, we do not typically have to deal with freezing rain and ice storms, however, we do have a significant storm season that should come into play when it comes to protecting your home. If disaster strikes, the last thing you should have to worry about is money. Your focus should be on reclaiming home security and mental stability.

That being said, there are some things you should know about your homeowner’s insurance. First of all you should know what it covers, and for that matter what it does not. In the event of certain storms, fire and vandalism, a typical policy will pay for damages. What is not covered depends on the area and the agency supplying your insurance. A general policy seems to exclude earth movements (landslides and earthquakes), faulty zoning and flooding.

Given our location’s attraction to hurricanes and flooding seeking supplemental insurance is the best way to ensure your homes safety in the event of a disaster.

While it may seem pessimistic to harp on, it is important to protect yourself and your investment from some of life’s biggest surprises.

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