INSURANCE

 

CHRIS's communiqué   Florida site compares insurance

                    DOES TYPE of HOME MATTER

Not really.  Whether your home  is a detached house or a condo or a townhouse, you need to be protected by some insurance. The condo association has a master insurance policy that covers  the outside of the  building structure, to include the  roof and exterior walls.  But this master policy does not insure  the inside of your  unit or your personal property such as furniture and clothes.

 

             WHAT is COVERED by INSURANCE

Dwelling Coverage. Insures your home from damage by fire, wind, tornadoes and more. Will not cover floods and hurricanes. (these will need special coverage)

Other Structures Coverage. Things not attached to your main home like a garage or shed.

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Personal Property Coverage. Your personal property such as  the furniture and clothes.

Personal Liability Coverage.  Any lawsuits or medical expenses for bodily injury or property damage to others.

Loss of Use Coverage. Any temporary housing expenses while you repair or rebuild your home damaged during loss.

DEDUCTIBLES  and Coverage.  The deductibles have been going up nationwide and this is true in Florida. Our deductible was $2500 and after the four storms of 2004 it went to $5500.

CHRIS's communiqué   Florida site helps you be STORM ready

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