If you own a home in Florida, you need the protection that home insurance can provide. A home insurance policy from Deboo Insurance Agency, Inc. will protect your Deerfield Beach, FL home against theft, wildfire, tropical storms, lightning strikes, and other disasters common to the Sunshine State. If you have a mortgage on your home, your lender will undoubtedly require that you have a home policy. Here’s what a standard homeowners’ policy covers:

Structural Damage to Your Home

Dwelling insurance covers structural damage to your home to include your roof, walls, foundation, flooring, cabinets, and other built-in structures. It also covers structures attached to your home like a garage or patio. Unattached structures like a garden shed or gazebo can be protected with other structures coverage. For optimal protection, you should purchase enough dwelling coverage to cover the cost of rebuilding your home in case it’s totally destroyed in a major disaster.   

Damage to Belongings

Property insurance covers damage or loss of your home’s contents to include your clothing, electronics, artwork, furniture, appliances, and other personal items. If you own high-end goods like antiques or expensive jewelry, you may need to obtain an insurance rider (additional coverage) to fully protect their value. Your Deboo insurance agent can help you determine the best coverage for these items.   

Liability Claims for Injuries or Damage to Others

Liability insurance protects you financially if someone is injured while visiting your property. If you like to entertain, there’s always the risk of a guest having an accident, especially if alcohol is served at your parties. Liability protects your assets by covering your guest’s medical costs. It also protects you against a lawsuit, if your guest decides to sue you for damages.

For more information about home insurance and the protection it has to offer, contact Deboo Insurance Agency, Inc. in Deerfield Beach, FL.