Just as you have selected your Jacksonville property tailor made to suit your personal needs, your homeowner’s insurance coverage should also be handpicked. Every company and policy boasts many varying selections that are as unique as the home and homeowners it protects.
Your policy should provide peace of mind based in knowing your home and property are protected with financial security. Keep in mind, with homeowner’s coverage, should a claim arise, you get what you paid for.
Traditional Homeowner Coverage
This policy covers your home, garage and with property protection it will protect against direct physical loss. Many traditional policies will also include liability coverage in case of calamity, providing payment for your expenses should you be temporally unable to stay in your home while an insured loss is being repaired.
Condominium Unit Owners
Since the attached building is often covered by the unit insurance, carried in the condominium homeowner’s association, this policy will often provide protection for owners for personal property and liability, medical payments to others and additional living expenses.
Renters
Structured much like the condominium policy, this policy also provides protection for personal property, personal liability, medical payments to others and additional living expenses.
Additional Needed Coverage
Outside of basic coverage required, an enhanced policy is often only a phone call away to your Agent. You can easily increase the coverage for your dwelling's contents, unique valuables and acquire extra coverage for jewelry, art and other valuables. Enhanced policies also provide protection against items such as loss of refrigerated goods in case of power outages, and lock replacement coverage for related claims.
Extras That Cover Even More
The following optional coverage is generally available to add to your homeowner’s insurance policy. Sometimes the mortgage lender will require enhanced coverage, such as Flood insurance in known Flood Zones. Your agent can help determine your needs.
Personal Property Replacement Cost Coverage
Insures personal property for the full cost of replacement or restoration.
Scheduled Personal Property
Provides coverage on valued items like furs, jewelry, silverware, cameras, fine art, and coin or stamp collections.
Flood Insurance
A separate Flood Insurance policy is advised for homes even remotely susceptible to the threat of water. It is normally required for waterfront dwellings or those close to a flood plain.
Just as your Realtor was specifically chosen for your Jacksonville property, your Homeowners Insurance Agent should be chosen to complete a policy that’s right for you.