Why do I need Homeowners insurance?
What does Home Insurance cover?
Important Information
Endorsements and Discounts you should know about
Common Homeowner Endorsements
PAF- jewelry, furs, stamp/coin collections, art, sports equipment, musical equipment
Ordinance of Law- to rebuild to new building code, older homes may require updated wiring, plumbing etc. after a loss to bring up to code
Sink Hole- Ground Catastrophic is covered but that is not necessarily Sink Hole coverage
Water Damage- Water Back-up, Sewer back -Up, Drain Back -up- Sudden and accidental discharge is covered under homeowner policy
Animal Liability
Fungi/Mold Wet Dry Rot
Loss Assessments for Condo Associations
Identity Theft- Cover the cost of services to repair your identity
Equipment Breakdown–electrical, mechanical, pressure systems i.e. Central air systems, generators, water heaters
Home Computers
Replacement Cost of Contents
Refrigerated Personal Property- usually $500 coverage
Screened Enclosures-Lanai
Personal Injury-example false arrest, wrongful eviction, slander, defamation (Personal Liability Coverage)
Common Homeowner Discounts
Alarm System (Monitored or Local)
Senior’s/Retiree
Claims Free
Sprinkler System