Home Insurance
Do you own a home in Florida? If so, have you considered insurance to protect your home and your belongings? We offer various coverage options here at Mangar Insurance LLC to protect you and your family in a fire, theft, burglary, storms, etc. Home insurance saves you money if a covered disaster destroys your home or items within it.
Home Insurance Requirements
Florida does not require homeowners to purchase insurance. However, your lender may require you to obtain it when you finance your home.
Home Insurance Coverage
Here are all that home insurance covers:
- Dwelling- This covers damage to your home and the attached structures, such as a porch.
- Other structures- This covers stand-alone structures of your home, including sheds and fences.
- Personal property- This covers repair or replacement expenses to your belongings that become damaged or stolen.
- Loss of use- This helps cover your temporary living costs if a covered loss destroys your home. This will cover hotel, food, and other expenses.
- Personal liability- If you injure another person or cause property damage via neglect or unintentionally, this will cover those repair expenses.
- Medical payments- This covers treating another person injured on your property, no matter who is at fault. It also covers you if a family member or your pet injures someone away from your home.
The following events, also known as “perils,” tend to include the following:
- Explosions
- Theft
- Smoke
- Lightning or fire
- Vandalism
- Hail and windstorms
- Freezing or water overflow from household systems such as air conditioning, plumbing, and appliances
- Falling objects
- Riots
- And more
Quotes
If you reside in Florida and want insurance, call Mangar Insurance LLC today so we can help customize a policy just for you.
