Unless you own an RV or a mobile home, it is likely that your summer trips involve leaving your home. Although you can’t bring your home with you, certain aspects of your Florida homeowners insurance follow you as soon as you step out.
Here are some ways that your homeowners insurance policy will travel with you:
It provides a safety net for your belongings even outside of your home
Your personal property, whether it may stored at your home or somewhere else, typically has protection from a standard homeowners insurance policy. For example, if something in your vehicle or even your suitcase is stolen or becomes damaged, your home insurance can assist you in replacing or repairing these items.
It is also important to note that for higher value items, you may need a separate policy or an endorsement to increase coverage. Your higher value items such as jewelry, technology, sports equipment, you may have coverage depending on what they are, but they may not be properly protected. It is important to discuss which items will be covered and for how much with your agent.
It provides liability protection from hazards on your property
What if a guest has an accident in your lawn while visiting you, or your dog becomes scared and bites them? Many times you do not think about people getting injured on your property, especially while you are not home. But it has can happen and has happened before to many people. Personal liability is one of the most sever insurance claims every year.
Your homeowners insurance policy provides vital protection against legal actions that are taken against you for injuries sustained on your property.
It is important to note that some aspects of your home such as pools or trampolines could potentially add risk that would require additional coverage depending on which company you are with. It is important to discuss with your agent to learn more about what is covered and what is not.
Your home insurance policy provides coverage for your time away
If your home is victim to damage under a covered loss, you may need to move out while the damage is taken care of. If this is the case you will receive Loss of Use coverage which is typically included in a standard home policy.
In a way, this aspect follows you away from your home as it helps restore the idea of home even outside of your own physical property.
If you leave your house for vacation you can have peace of mind knowing your possessions will still have protection. With this in mind, travel happily this summer keeping in mind everything your home insurance policy entails will be safe.
For a free quote quote on Florida homeowners insurance click here or call us today at (386) 734 3970