The state of Florida does not require home insurance. If you have a mortgage, your lender will require it. Having an insurance agency to help you navigate a limited market is vital. At Clark & Bell Insurance Agency in Fort Myers, FL, we are an independent insurance agency with access to several high-quality carriers to give you the required level of coverage.
The property coverage on your home includes the physical structure of the home as well as any attached structure like a porch or garage. With other structures, there is coverage for things not attached to the house, like a fence, shed, or detached garage. You are covered for weather events, fire, vandalism, and theft.
Content coverage covers the things inside your structure. They are covered against many hazards while in your home and when traveling away from home with you. You choose whether you want the current value or replacement cost.
Liability coverage protects your assets from being sued. It protects you and the members of your family. It can be someone injured while at home or away from home by a family member. It pays for damages, medical expenses, and legal costs if necessary.
When a covered hazard damages your home, it may be deemed uninhabitable. Where will you stay? With loss-of-use coverage, you can pay for temporary accommodations while your home is being repaired and even some meals if you can't cook.
In addition to these traditional coverages, you can opt for endorsements to extend your coverage to things with limited or no coverage.
Getting home insurance in Florida can be a challenge. We are up for the challenge at Clark & Bell Insurance Agency in Fort Myers, FL. Call our office for a no-obligation quote, or use our online quote tool.