Homeowners Insurance in Florida

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.

Do I Buy Homeowners Insurance Before Closing?

If you have a mortgage on your home, you will be required to obtain and provide proof of insurance to your mortgage lender before closing. We can help you with a home insurance policy that meets your needs—and satisfies your lender’s requirements as well.

How Many Home Insurance Claims Can I File?

There isn’t a set number of claims you can file on your home insurance, but filing too many claims might cause your policy premium to increase or your insurance policy to be canceled. Some insurers view an excessive number of claims as a higher level of risk, and the homeowner may have difficulty obtaining new insurance when the current insurance is canceled or not renewed. The Affiliated Agency team can share our claims process and answer any questions you may have.

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 Affiliated Agency of Ocala a call today to get started or request your free quote now.