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First Florida Underwriters Insurance blog

How to choose insurance coverage

If you’re a homeowner in Orange Park, FL then you know what can happen to your biggest possession.  Between hurricanes, accidents, and other natural events, a lot of things can go wrong with your house.  Fortunately, the insurance agents at First Florida One know how to take care of you and your home.

Homeowner’s policies are a crucial part of anyone’s financial plan.  If you’re like most Americans, your home is your biggest asset. Losing it would be a devastating blow to your finances. That means that if a natural disaster strikes, it would be next to impossible to recover from it without some type of homeowner’s insurance coverage.

Fortunately, there are a lot of different policies on the market, practically guaranteeing that you’ll find one that is right for you and your budget. The important thing to remember when choosing a policy, however, is to get enough coverage to completely repair or replace your home and everything in it.  

The first thing you will need to determine is the replacement cost of the structure of your home.  Your insurance agent will ask you a series of questions about the way your home is constructed.  Be sure to answer as honestly as possible; even minor details about the type of material used on the roof can mean the difference of thousands of dollars in the event of a disaster.

Next, you’ll need to come up with a figure for the value of the possessions in your home.  Again, your insurance agent will be able to help you.  Be sure to ask about riders that can cover specific items such as electronics and jewelry. 

If you live in the Orange Park, Fl area and you’re thinking about getting a new home owner’s insurance policy, call the agents at First Florida One.  They have years of experience helping people just like you find the policy that’s right for them.