Types of coverage provided by home insurance

Owning a home is part of the American dream. It can also give you nightmares. So many things can go wrong, so many things to worry about. By having the right home insurance, you can be confident that you will be able to repair and replace the things that you have. In Davie, FL, you can count on Zot Insurance Agency to ensure you have the right home insurance. 

Property coverage

Property coverage is for the physical structure of your home. It also covers attachments like a deck, porch, or garage. It will also cover detached structures, such as a detached garage, shed, or casita. 

Content coverage

Content coverage is what will pay to replace your personal items that are lost. It can be furniture, electronics, clothing, jewelry, the contents of your kitchen cabinets, and more. It comes in two types; current value and replacement cost. If you have a seven-year-old sofa, it will have depreciated from its original value. That is its current value. Replacement cost is what it would cost to replace it today. 

Liability coverage

Getting sued has become all too common, and to protect your assets, you need to have an adequate amount of liability coverage. In addition to a judgment against you, liability insurance also helps with legal costs. 

Loss of use

If a covered peril damages your home, you may be unable to stay there. You need a place to stay, and loss of use coverage will pay for a hotel in the short term, some meals, and, if it is longer, a rental property. 

Contact Zot Insurance Agency in Davie, FL to discuss your home insurance needs. Our experienced agents will make sure your policy is personalized to your needs.