Homeowners Insurance in Fort Myers, FL
A standard homeowners insurance policy insures the home itself and the things you keep inside. By having homeowners insurance, you can financially protect yourself if there’s an accident. Contact our agency today to learn more about homeowners insurance or to get a no-obligation quote.
What is Homeowners Insurance?
Home insurance is a package policy, which means that it covers damage to your property after a covered loss and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. There are usually additional coverages or endorsements, also called riders, that you can add to the standard coverages provided by home insurance to ensure adequate protection.
Do I Need Homeowners Insurance?
While purchasing a home insurance policy may not be mandated by the federal, state or local government, your lender may require proof of home insurance if you have a mortgage. Carrying appropriate homeowners insurance is always a good idea as the policy can help financially protect you if you experience a covered accident or other loss. Without home insurance, you may be left to cover the replacement or repair costs on your own following an incident.
Is Your Home Underinsured? How to Know and What to Do
Your home might be underinsured if the coverage limit on your policy isn’t enough to rebuild it at today’s construction costs. This can happen when building materials, labor or local regulations change over time, but your policy hasn’t been updated to reflect those shifts.
Review your current coverage with a local agent who can help assess whether your limits align with current rebuilding estimates. If there’s a gap, your agent can walk you through options to adjust your policy so it better reflects your home’s value. Regular reviews are key to keeping your coverage aligned with your needs.
How to Get Homeowners Insurance
If you need a homeowners insurance policy or want to evaluate whether the coverage you have is adequate, we’re here to help. Give Unbeatable Insurance a call today to get started or request your free quote now.