A Florida Homeowner’s Insurance policy is designed to cover the structure of your home, and includes protection for various kinds of Personal Property as well as Liability coverage.

• Dwelling: Pays for damage or destruction to your house and any unattached structures and buildings. Examples include fences, attached garage, or patio cover.
• Personal Property: Covers the contents of your house, including furniture, clothing and appliances, if they are stolen, damaged, or destroyed.
• Liability: Protects you against financial loss if you are sued and found legally responsible for someone else’s injury or property damage.
• Medical Payments: Covers medical bills for person(s) injured on your property.
• Loss of Use: Pays for additional living expenses if your home is uninhabitable due to a covered loss. Most standard Florida Homeowner’s Insurance policies pay 10% to 20% of the amount of your Dwelling coverage.

Most homeowners are under-insured. If your current coverage is based on the minimum amount required by your mortgage company, you may want to consider enhancing that coverage with additional protection. The good news is that obtaining additional coverage may cost less than you think! At Reed Insurance, we can help you prepare for the many events which may come your way.