You have made huge of your money as well as your time and passion into the home you chose to purchase so you will want to protect it properly. The home insurance agents at the Zot Insurance Agency in the Davie, FL area stress the importance of having home insurance in place.
While home insurance is not required in the state of Florida, you will more than likely be in violation of your mortgage contract with the lender that you borrowed the money from to purchase your home if you do not have the proper amount of home insurance coverage in place. Your lender can actually create a policy for your home if you do not have home insurance and tack the premiums onto your mortgage payment and more than likely that policy will be a lot more expensive than if you obtain home insurance on your own.
Even if you do not owe money on your home or paid cash to purchase it, having a good home insurance policy in place is still a great idea. Home insurance will cover not only your house and outbuildings on the property, such as a garage or shed, but it will also cover your personal possessions, appliances, computer equipment, and anything else you have inside the home.
We never know what the future holds and a home insurance policy will protect your house from theft, vandalism, natural disasters, and a fire. Most home insurance policies do not automatically cover flooding or earthquakes, but you can get additional coverage added to your home insurance policy that will cover those types of incidents that can occur.
To decide upon the proper home insurance coverage options to be included in your policy, you should consult with a trusted insurance agent. The home insurance agents at the Zot Insurance Agency in Davie, FL are ready to assist you in creating the best home insurance policy for your situation. Call for an appointment today!