For many, homeowners insurance is a necessity. It offers financial protection for your home, and understanding coverages can help you pick a policy best fitting your needs.
It’s essential to note, homeowners insurance doesn’t cover every peril that can potentially harm the structure of your property. For example, most policies don’t cover termite damages, as this is seen as something preventable by the homeowner with proper maintenance. Some perils such as earthquakes and floods need to be covered under separate policies.
Homeowners insurance typically offers liability coverage, dwelling coverage and coverage to personal property.
Homeowners insurance offers financial protection against these standard perils:
Homeowners insurance isn’t a requirement - however, accidents frequently happen nationwide, and by purchasing a homeowners insurance policy, you add an extra level of security over your assets.
For example, a kitchen may be damaged by a fire. Home insurance would kick in after the deductible is paid to help pay for repair costs. In addition to paying for repairs, the policy type may also cover moving the policyholder and their household into temporary lodging as the structure of the home is being restored.
Consider examining the needs of your home and speak with a local insurance representative to understand what your coverage options are. They can help you choose a policy offering the best benefits for your home and belongings.
La Belle Mar Realty is a Westchester Boutique Brokerage in Miami, Florida, Independently Woman Owned Small Hispanic Business. This is the dream child of Maria Casas the Broker/ Principle & the Casas' family. Born of the hard work and inheritance of Mr. Armando Casas, a graduated certified accountant, and Mrs. Maria Casas a 2nd grade teacher. Both Mr. & Mrs. Casas were born & raised in Cuba and immigrated in 1963, first to their family in Spain and then to the United State and New Jersey to find a better life for their daughter Miss Maria Casas. This hard working family always made ends meet and wanted the best for their only daughter. Mr. Casas, worked at the Royal Bank of Canada in New York for over 40 years in the Letter of Credit department. This is a fantastically warm office built and maintained by the love of the Real Estate Business and the hard work and many hours of studying the broker is willing to put into the business. The office thrives on the wonderful agents and the excellent work they are willing to do for their community and their wonderful clients.
