Insurance for All Kinds of Homes
Depending on where you live – a house, apartment, or condominium – the right home insurance policy can provide you peace of mind as well as the money you need to repair or replace your home and/or belongings. Contact us 352-732-2233 for more information today!
– What you need to know about homeowners insurance
Ocala Insurance is here to help you find the right insurance for your home
Whether you’re a home or condo owner, a renter, or a landlord, Ocala Insurance will work with you to find a home insurance policy that fits your needs. We specialize in making it easy to choose the insurance coverage that gives you the best coverage for a competitive premium.
Your home insurance policy is most often made up of the specific options you choose, so how much you’ll pay for your policy depends on:
What you select. Oftentimes homeowners insurance options are priced individually, so how much you’ll pay for your policy depends on what coverages you buy.
How much you want to cover. Higher deductibles usually lower your premium price by shifting part of the loss payment to you. For example, if you have a $1000 deductible, you would be responsible for paying the first $1000 of the covered loss.
Where you set your limits. You may choose to set higher limits than the recommended amount if appropriate to your situation and needs.
Worried you aren’t completely covered? Consider an umbrella insurance policy that extends your coverage.
The Right Coverage. The Right Price. The Right Value
The amount you pay for your homeowners insurance depends on many factors. Think of your personal housing situation, and the assets you want to protect.
Protection for Your Home
Property or Dwelling Coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a kitchen fire or windstorm.
Protection for You and Other People
Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world.
When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued.
This covers medical expenses for guests if they are injured on your property, and in certain cases, covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.
Additional Living Expenses
If you can’t live in your home because of a covered loss, your home insurance policy will pay for living expenses—commonly for up to 24 months—while damage is assessed and your home is repaired or rebuilt.
Protection for Your Belongings
Your home is filled with furniture, clothes, electronics and other items that mean a lot to you. Personal Property Insurance helps replace these items if they are lost, stolen or destroyed as a result of a covered loss.
Scheduled Personal Property Coverage
If you have special possessions such as jewelry, art, antiques or collectibles you may want to talk to your agent about this additional coverage. It provides additional coverage for items you schedule on your policy.
If You Rent Out Your Home
Landlords need a specific policy type to cover their tenant occupied property because a standard homeowner’s policy does not cover a home that is not occupied as a primary residence to the insured. At Ocala Insurance we have several companies that insure tenant occupied dwellings.
Protect the Things that Matter to You
Make an inventory of your home and personal belongings. If possible, make a list as well as take photos or videos – using two inventory methods can help expedite the claim resolution process. Keep this list somewhere other than your home. Keep in mind that your policy doesn’t cover damages caused by poor or deferred maintenance on your part.
Every home is unique – talk to us today to find out how to get the best price and value on homeowners insurance for you.