Your home is often you most valued asset and the center of your everyday life. You spend your time and money customizing your residential property to your desire to make it feel like a home. Having the right homeowners insurance coverage is important to protect your home. Home insurance policies in South Florida generally protect against a loss due to disasters or fire, however the specific limits of your personal property such as electronics, jewelry, artwork and other items are different for each home.
Home is where your heart is—along with a healthy chunk of your net worth. Protect your investment with homeowners insurance
Homeowners Insurance for South Florida,
Miami, Broward and Surrounding Areas
Is Your Home Truly Protected?
Having homeowner’s insurance is a necessity. Homeowner’s insurance should be customized to protect your property. With an individualized homeowner’s policy, your home will be protected and covered against any losses. Some policies can include your personal property such as the contents including jewelry and your other prized possessions.
Typical coverages can include:
- Property or Dwelling Coverage
- Personal Liability Coverage
- Medical Coverage
- Additional Living Expenses
- Personal Property Protection
- Rental or Tenant Occupied Liability
What is covered under homeowner’s insurance?
A standard policy insures the home itself and the things you keep in it. Homeowner’s insurance is a packaged policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. The policy deductibles are the main variables to consider when purchasing homeowners insurance.
Damage caused by most disasters are covered with homeowner’s insurance but there are some exceptions. The most significant exceptions are damage caused by flood, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverages. Maintenance-related problems are the homeowners’ responsibility.
Why ENG Insurance?
Whether you are buying your first home, relocated to the area, or simply reviewing your home insurance we are here to help. At ENG Insurance, we take the time to discuss your needs and expectations of a homeowner’s policy. Our expert agents explain policy limits and determine which company best satisfies your needs. We service clients with homeowners insurance needs across South Florida. Contact us to find out more about home Insurance policies.
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Please contact us with questions and to set-up an appointment for a free insurance quote by filling out the form below or giving us a call.
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We make sure that your insurance needs are covered for today and in the future.