Homeowners Insurance in Hollywood, FL

Owning a home is a significant milestone and protecting such a sizable investment is crucial. Homeowners insurance may offer financial security against unexpected risks.

What Does Homeowners Insurance Cover?white and brown concrete building under blue sky during daytime, house

Coverage may vary depending on the insurer, but a standard policy may provide the following:

  • Dwelling coverage may pay for repair costs if your home gets damaged by certain loss events like fire, hail, theft or vandalism.
  • Structure coverage may cover the repair and replacement of detached structures like a garage or a shed.
  • Personal property coverage may cover your appliances, clothing, electronics and furniture.
  • Personal liability coverage may cover legal or medical expenses if you’re liable for bodily injuries or property damage to another party.
  • Additional living expenses coverage may cover food, shelter and other expenses if you’re forced to temporarily move out of your home after a covered event.

How Are Rates Calculated?

Your homeowners insurance premium may be calculated based on the following factors:

  • Your location
  • Your claims history
  • The value of your property
  • Your deductible amount
  • Your coverage options

When is Homeowners Insurance Required?

While homeowners insurance is not required in Florida, your lender may ask you to submit proof of a policy if you take out a mortgage. Regardless of these requirements, it’s generally recommended that you purchase a homeowners policy if you want additional financial protection for your property.

Contact First Choice Insurance Solutions Inc today for more information or to request a personalized quote.

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