Life is full of surprises. One minute you may be sitting on your couch, enjoying a family movie night. The next moment, you may be smelling smoke and running out of your home. From outside, you see your dream home go up in flames. You hear the sirens of the fire trucks coming up the street, but they are drowned out by the pounding of your heart. The firemen finally put out the flames, but you know the nightmare is not over. Your home is ruined. How are you going to care for your family? How are you going to give your family a home? Home insurance can make this excruciating experience a little less so. It may not be able to stop the fire, but it can help put the pieces of your life back together. Read on to learn the benefits of having home insurance.

What does it cover?

Basic home insurance generally covers fire damage, vandalism, tornados, lightning, or loss of or damage to personal property that is due to theft. If you own very expensive jewelry, instruments, or possessions, you may need to add extra coverage. If any damage occurs, the insurance will cover most of the costs. However, the insured will have a deductible to pay that will depend on the policy. For instance, hurricane insurance for a home purchased through Deboo Insurance Agency, Inc. in Deerfield Beach, FL have deductibles ranging from 2% to 10%.

Homeowner’s insurance covers additional expenses and incidents, as well. Should your residence be uninhabitable due to any covered damage, temporary living expenses will most likely be taken care of. If personal liability is included in your policy, it will most likely cover any injuries that occur on your property. It might also cover court and lawyer fees if the homeowner gets sued for any covered damage. 

Before purchasing homeowner’s insurance, you should discuss your individual situation so that your coverage will take care of all you need as each policy is different. If you are in or around Deerfield Beach, FL, contact Deboo Insurance Agency, Inc. for information and quotes.