Home Insurance: What You Must Know

Apart from being the roof over your head, your home is your most substantial investment. Home Insurance from Hamilton Fox & Company Inc., serving Miami and Pinecrest, FL, is the coverage you need. Here are a few things that you should have in mind when it comes to home insurance:

Structure Protection Policy

For homeowners, structure coverage is crucial. It covers damages caused by storms, fire, and other natural catastrophes. It is advisable that you insure your house comprehensively so that in case of total loss, you are assured that your home can be rebuilt.

Home Contents

In case of theft or fire, you may lose not only your home but also personal belongings. Most insurance policies will help you replace some of the lost belongings. However, it is your responsibility to provide the list of the home’s contents.

Property Damage

This coverage aims at protecting you from damages emanating from your home to someone else’s property. Your son may accidentally kick a ball which damages a neighbor’s glass door or window. 

Personal Liability

If you get sued for causing property damage or injury, this policy covers the legal expenses of your defense in court.  Moreover, if the judge finds you culpable, the policy pays the court award depending on your coverage limits.

Medical Expenses

When you have friends over, and an accident occurs causing injury, home insurance coverage can cover their medical expenses. All you have to do is to submit the medical bills to the insurer.

Update Your Policy

It is imperative that you keep your insurer informed on home renovations to adjust your coverage appropriately.

Hamilton Fox & Company Inc. proudly serves the Pinecrest, FL area. If you need a home insurance policy, please contact our agents to learn how to get started. Also, try our online rating tool for a quote from home on a home insurance policy.