Florida Homeowners Insurance Tips
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Make sure your home is insured properly!
Although most homeowner policies include an inflation guard to automatically increase your coverage annually, you should check with your insurance agent once a year to make sure you have adequate coverage.
Read your policy carefully!
Insurance policies do not cover everything, read about the exclusions. Also, there are limitations on certain types of personal property, such as but not limited to antiques, firearms, jewelry, furs and electronics, including computers and their equipment. Additional coverage may be purchased. Talk to your agent about additional coverage.
Keep an inventory of your personal property!
When you have a loss, it is your responsibility to know what property you have, when it was purchased, how much you paid for it, and how much it will cost to replace it. You should also keep receipts for large purchases, or keep your credit card statements. You may be asked to prove that you ever owned the item in question. It is always a good idea to take pictures or videos of your property as well.
Keep a copy of your policy in another location!
In the event your home is totally destroyed, you would have copies of all your important documents including receipts you may need to settle a claim with your insurance company.