The Importance of a Homeowners Insurance Policy


Unfortunately, there are many people who do not realize the importance of comprehensive homeowners insurance until they are faced with mounting debt after home repairs.

Home insurance provides protection and peace of mind should a disaster strike.

Some reasons to purchase home insurance include:

  1. HOME INSURANCE AGENTS Covers the home’s structure – A homeowners insurance policy covers the cost needed to rebuild the home’s structure should the damage fall under the scope of the policy.
  2. A home insurance policy provides liability coverage – No one ever intends for anyone to get hurt on their property, but accidents happen. Your dog could bite the mail carrier or your friend could slip on the sidewalk. While you hope to never have to worry about these issues, it is important to be cautious and protect yourself with adequate liability coverage. Liability coverage on a home insurance policy covers injuries sustained on your property.
  3. Replaces your personal belongings – In the event of serious damage a standard home insurance policy will cover your belongings. Taking a home inventory and keeping a detailed list can help you estimate how much coverage you need. It is important to note that high value items, such as antiques, artwork and fur may need a rider to ensure coverage.
  4. Fulfills your mortgage contract – In most cases, homeowners carry a mortgage on their homes. If you have a mortgage on your home, your contract likely requires a homeowners insurance policy. Due to the financial stake the lender has in your home, home insurance is a necessity.

You work hard for your home and everything in it. Like anything, your property and everything in it is at risk from dangers that are often beyond your control and this can very easily wipe out everything you have spent years working for. By taking out a homeowners insurance policy, you can eliminate much of the financial risk associated with home ownership.

V.W. Gould Agency, Inc. has been serving the homeowners insurance needs of Central Florida residents since 1907. Serving DeLand, Daytona Beach, DeBary, Deltona, Orange City, Palm Coast, Sanford, Lake Helen, Pierson, Astor, Seminole County, Volusia County, Orlando, New Smyrna, Ormond Beach, Heathrow, Flagler County

Call us today for a free no obligation quote 386 734 3970

Have a question? Fill in the form below and an independent insurance agent will contact you.



201 N. Woodland Blvd.
DeLand, FL 32720
Phone: 386-734-3970


Mon: 9:00 AM – 5:00 PM
Tues: 9:00 AM – 5:00 PM
Wed: 9:00 AM – 5:00 PM
Thurs: 9:00 AM – 5:00 PM
Fri: 9:00 AM – 5:00 PM
Sat: Closed
Sun: Closed