Homeowners insurance is the best way to protect one of your biggest investments: your house. Most homeowners understand the typical protections of this insurance, such as repairing or replacing property damage and coverage of liability in the event that someone is harmed on their property. However, there are seven additional benefits of homeowners insurance that people are not aware of, but which provides unexpected protections. Depending on the policy, homeowners insurance coverage includes:
When a home experiences extensive damage, such as in a fire, many policies include coverage of improvements required by building codes that were not in place when the house was originally built. For example, the latest building codes might require the installation of a sprinkler system, the relocation of a hot water heater, and more. Rather than paying for these changes yourself, your insurance may cover a significant portion of the expense.
A basic homeowners policy often covers your refrigerated items. If there is a long power outage that results in spoiled food in your refrigerator and/or freezer, your policy usually covers up to $500 to replace this loss.
Under the liability section of your homeowners’ insurance, the policy usually covers the cost of defending a lawsuit filed against you for issues such as a dog bite, libel, or slander. This is often included at no additional cost and can save you more than $25,000 on a dog bite case.
There is potential for many unexpected things to fall on your home, from satellite parts returning to earth to a meteor or even debris from a nearby demolition project. Whatever falls on your home that shouldn’t have, your insurance will pay for the damage.
If your child lived with you before moving away to school, college or university, their personal property will be covered under your homeowners’ insurance until they are 26 years old. This protects their laptop, television and other personal property if it is stolen or damaged while they are living on campus or in an apartment. However, if they purchase renters insurance because it is required by their landlord or for any other reason, your policy will no longer cover their property.
In addition to providing coverage for the repair or replacement of personal property in your home, most policies have extended coverage for the possessions you carry with you while traveling. This benefit usually replaces stolen items but may also cover other loss situations as well.
If your home is uninhabitable due to storm, fire or other damage, your insurance will pay for hotel and restaurant bills. There may be a monetary or time limit to this coverage so check with your agent before filing a claim.
Many people pay for damage or loss that is actually covered by their insurance. Before paying out-of-pocket or filing a claim, check with your insurance agent to determine the extent of your coverage. To get the most from your homeowners’ insurance dollars, let us help you find the best coverage for the lowest price. At Alliance, we represent the best insurance carriers in the state and will work with you to craft a policy tailored to meet your needs and your budget.
“I am happy in today’s world to be able to compliment someone, not everyone enjoys doing what they do as Lisa did. I am on disability, was in the insurance field years ago in the 70’s and then went into the medical field and finished as a clinical supervisor. I know what I expected of my staff and Lisa exceeded all expectations. We just found your site the other night but I can assure you as our needs come up for different things we WILL be calling ALLIANCE.”D. Clair – Florida
“Felicia was a wonderful agent and helpful at every time. I would highly recommend getting your insurance needs met here.”S. Miller – Jacksonville, FL
You were willing to take this bull by the horns and run with it when no one else was interested. You have no idea how HAPPY I am right now. I have been fighting this battle for over a month and you came through. You diffidently will be my first contact for any future insurance needs and I WILL refer my friends to you.”Dennis A. – Tampa
Alliance Insurance saved me over $500 a year on my auto insurance. Plus they were able to get me affordable home insurance and flood insurance to cover all my needs. Thanks to Pearce and all the crew at Alliance Insurance.”David L. – St Augustine
Alliance Insurance saved me hundreds on my Workers Comp, General Liability, Group Health and Commercial Auto and Insurance needs. Thanks Alliance. I will be recommending you to all my friends.Tory H. – Orlando
My Agent at Alliance Insurance shopped all the Auto and Home Insurance companies to see who gave me the best rate and plan. Alliance’s agents are knowledgeable and very polite. I will put all my insurance’s with Alliance. Thanks for the savings!”John H. – Jacksonville
Alliance Insurance is the place to shop for all your insurance needs. I packaged my home and auto together and saved over $300 a year. My agent shopped around and got me the best rate. I would recommend everyone to use Alliance Insurance for finding the best insurance rates.Mary S. – Tampa, FL
I just saved over $400 on my Homeowners Insurance Florida with Alliance Insurance. My agent was very helpful, got me discounts I did not even know about and shopped all the carriers to make sure I was getting the best deal. Thanks Alliance! I will recommend you to everyone.Joan P. – Orlando, FL
You all have access to the most companies and got us the best price on our coverage.Jay Johnston, Jacksonville, Fl