Home Insurance in Florida

What measures have you taken to protect your Panama City Beach, FL home? Locking your home is not enough and cannot guarantee your safety — some perils are beyond closing that door. However, with home insurance, you can ward off most threats.

Home insurance is something that should be considered a necessity. Sadly, many people think of it as another expense until they are forced to dig thousands of dollars into their pockets for repairs or, worse, for a new house. At Hall Insurance, we value your home investment so much. As such, we have prepared for you a guide of what you should know about home insurance. Let's explore.

Types of home insurance in Florida

When shopping for home insurance in Florida, you are likely to encounter the below coverages:

• Dwelling coverage: Protects your building and other attached structures against threats like fire, vandalism, hail, lightning, and many more.
• Liability coverage: Pays for claims against bodily injury and property damage that you or your family causes to others.
• Additional living expenses: If your home becomes uninhabitable due to an insured peril, this coverage covers your additional living expenses.
• Personal belongings coverage: : Covers personal assets like electronics, sports equipment, and clothing from loss or damage to a covered risk.

What's not covered by home insurance

Like any other insurance policy, home insurance has exclusions that may vary from company to company. Standard home insurance exclusions include:

• Flood and earthquake damage
• Civil war
• Normal wear and tear
• Intentional damage
• Acts of terrorism
• Mold and pests infestation

To avoid surprises when filing a claim, it would help if you talked to your agent about what is not covered by your home insurance policy.

Factors that affect home insurance cost

Several factors affect the home insurance premium. Some include:

• Where you live
• Number of coverages you choose
• Value of your house
• Insurance provider
• Deductibles
• The age of the house and its condition

Looking for home insurance in Panama City Beach, FL? Look no further than Hall Insurance. Call or visit us for a reliable quote.