Homeowners Insurance Lakeland FL

Homeowners Insurance Lakeland FL

Home Insurance Bartow FLBecause needs vary, your Lakeland insurance agent can help assess your specific needs and tailor a homeowners insurance policy that is right for you.

What is Homeowners insurance?

Homeowners insurance is designed to cover the structure of your home. A standard policy insures the home itself and the things you keep in it:

Dwelling - Covers damage to your house and any unattached structures and buildings such as fences, attached garage and patio covers.

Personal Property - Covers the content of your house including furniture and appliances, clothing and more.

Liability - Protects you financially if you are sued and found legally responsible for someone else's injury or damage to their property.

Medical Payments - Covers medical expenses for anyone injured on your property.

Loss of Use - Pays for your living expenses if your home is rendered uninhabitable due to a loss covered by your insurance.

Homeowners insurance covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people.

Damage caused by most disasters is covered but there are exceptions such as damage caused by floods or earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage.  It is important to discuss additional policies with your Lakeland homeowners insurance agent who lives in your area and knows what specific disasters are more applicable to Central Florida.  Unfortunately, many only discover the limits of a standard homeowners insurance after a disaster occurs.

Why do you need homeowners insurance?

Your home is likely your largest investment.  Homeowners insurance protects you  financially if something unexpected happens to your home or possessions:

  • If your home was destroyed by fire or damaged in a hurricane, you'll need money for repairs or to replace it.
  • If a visitor in your home is injured, the liability protection and medical coverage in your homeowners insurance will help pay expenses.
  • If you are a victim of theft and vandalism, your homeowners insurance can reimburse you for losses or expenses to make repairs.
  • If you are still paying for your home, your mortgage lender will require that you have adequate homeowners insurance.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance.  Be sure to ask your agent about what is covered and just as important, what is not covered.  Be sure to read your policy so you know exactly what's included and what is not.

Call us today for a quote: (863) 647-5187

Meet Ewing, Blackwelder and Duce Insurance; your Lakeland FL homeowners insurance agency! We're happy to quote you a competitive price on a solid homeowners insurance product.