Getting homeowners insurance can seem daunting. There are many insurance options with different coverages available, and you might be wondering which policy is best for you and your household.
Don’t worry. The more you understand homeowners insurance, the easier the decision will be.
Homeowners insurance provides financial protection to your home in the case of certain perils. This can include damages from hail, winds, lightning and more.
Standard homeowners insurance financially covers up to 16 perils. A few of these perils are lighting strikes, fire, high winds and burglary.
For example, your home may be damaged by strong winds due to a storm. Your policy would offer coverage after your deductible to repair damages to your home from the storm.
Having homeowners insurance is essential, but may be a necessity depending on where you live. Some areas are prone to tropical storms. Others have yearly wildfires. Having homeowners insurance secures your home in the chance it’s damaged by these perils.
Some perils such as flooding are not covered by standard insurance policies. You may need to purchase additional coverage if you live in areas prone to perils typically not covered.
On top of having homeowners insurance, there are many additional ways to financially protect your home from perils:
You work hard for your property. Keeping your assets safe is crucial. By protecting your space with homeowners insurance, taking time to examine your home's needs and investing in home protection products, you help to secure your space before peril can strike.
Lori Lockhart originally from York Pennsylvania has been a Sarasota resident and realtor for over 16 years. She specializes in Sarasota, Siesta Key, Lakewood Ranch, Bradenton, Venice and the surrounding areas. She is skillful at negotiating and partners with many professionals to offer the best resources to her clients. She is always accessible to her clients and listens to their needs first and foremost. She works with first time home buyers, luxury home owners as well as investors to help them achieve their real estate goals. She has a broad knowledge of the construction industry as she is a licensed Florida General Contractor. She is able to assess construction costs which are such a benefit to her clients as well as offering them advice with regards to new construction. Lori is energetic, hard-working, and strives to exceed her client's expectations by assisting them in every aspect of the transaction. Whether you're new to the area, buying a retirement home or investing in property she has a vast knowledge of it all!
