Home Insurance

Home Insurance

Home insurance is an essential policy within Florida and with good reason. Homeowners get to benefit from liability protection while also keeping their possessions safe. Bill Nesper Insurance Services Inc. offers this coverage, with the following list breaking down types of home policies to consider getting.

Liability Protection

Liability protection covers two claims, namely property damage liability and bodily injury liability. Property damage liability takes care of the other party's possessions when they are damaged during a visit to your home. If your guests also get injured due to a slip and fall accident when visiting your premises, this coverage helps offset their medical costs. This policy will also cover legal fees, helping you pay attorney fees and damages awarded.

Content Coverage

Content coverage compensates when personal belongings are damaged during natural disasters such as hail and lighting and when theft and vandalism occur. It helps cover items such as furniture, clothing, and electronics, allowing you to replace or repair these when they get destroyed.

Buildings Coverage

Buildings insurance covers the structure of your home and the foundation; when covered perils cause damage. It compensates you for damage from hazards such as fire emergencies, hail, and vandalism. If detached structures such as garages and sheds get damaged during the above incidents, this policy pays for the costs of rebuilding such areas.

Additional Living Expenses Coverage

Additional living expenses coverage will pay for the extra costs of living when your home is deemed inhabitable due to covered perils. These include fires, storms, and hail. It will come in handy in offsetting expenses such as transport costs, accommodation, and meal expenses.

To protect your Florida home from any of the above disasters, consider reaching out to Bill Nesper Insurance Services Inc. today. Our agents will discuss coverage options tailor-made for your home.