Property insurance includes homeowner’s insurance, renter’s insurance, auto insurance and flood insurance. One of the biggest investments you will make in your lifetime is the purchase of your home. After the inspections and the wheeling and dealing, there is always insurance to think about. Protecting your home with insurance is not only the smart thing to do, it is the assurance you need that you are covered if something goes wrong.
In the event that you decide to skip property insurance, you are playing with your investment and your future. Property insurance covers you from damages according to the guidelines of your policy. Most homeowners cannot skip on property insurance but often, skip on flood insurance.
Homeowner’s insurance usually doesn’t cover flooding or earthquakes. Always consider flood insurance or earthquake insurance if your home is in a flood zone or an earthquake zone. Many people skip out on flood insurance because of the expense. Unfortunately, if a flood occurs, their homeowner’s insurance is not going to cover flood damage. Flooding can ruin your entire property. As a homeowner, be sure to get flood insurance if you live in low lying areas that are prone to flooding. Other instances which may not be covered by a homeowner’s policy are damages caused by a slow roof leak or a slow leak inside the home. Be sure to look over your policy and speak with your agent about your coverages and see what supplemental insurance is available to cover everything.
Your vehicle should always be insured, even though some states are more lax than others. In the event of an accident, if you do not hold insurance, you can be sued. It is also illegal in most states. You could be face to face with the law for not holding car insurance.
Some states don’t require you to hold property insurance for your house. When you pay your taxes, you have the right to live in your home for as long as you like. In the event of a tornado, you could lose your home. Without homeowner’s insurance, you may not be able to afford the repairs from the damage. Homeowners policies cover in part or all of the damages allowing the homeowner the protection needed in the event something bad happens to your home.
You should always see what your policy covers. Jewelry, certain electronics, art, and other expensive items may need to be covered with supplemental insurance. In the event of theft or damage, you want to be sure all of your belongings, especially your expensive belongings, are completely covered. Floater insurance, as it is called, will cover these items in the event of theft or damage.
Flagler County Insurance Agency has been in business for over 100 years. They have been in business in the Flagler County area serving residents since the beginning of the company. They offer personal property protection; homeowners, supplemental or floater, auto, and more. With credibility and reputation, Flagler County Insurance Agency is your Flagler County go to property insurance company ready to serve all of your property needs.