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First Florida Underwriters Insurance blog

Home Insurance Necessary for Suburban Floridians

Life in an active suburban community requires good home insurance. Accidents can, and will, happen if you allow your home to be used for neighborhood activities. And, when something bad occurs, it usually does when you least expect it.

Without adequate home insurance, you will need a lot of money saved up to take care of the bills. Some households have gone into bankruptcy after being sued by someone hurt on the property, Do not let this happen to you.

Fortunately, you can better avoid such problems by speaking with the professionals at First Florida Underwriters Inc. The staff understands how it is to live in a large suburb.

To help you know what to discuss when you contact an insurance agent, the following are some of the types of accidents that befall homeowners in Orange Park, FL and beyond.

1. Visiting Kids Can Slip and Fall

Like most families, yours probably plays host from time-to-time. The neighborhood kids stop by to swim in the pool or play soccer in the backyard. All goes well in most instances. But, a kid can very easily slip and fall, hurt their head. Their parents will probably want to sue you for the exorbitant medical bills.

2. Guests Can Lose Expensive Items

You may also be held responsible for guests who cannot keep track of their expensive items.

Someone may have fine jewelry, take it off and then upon leaving, realize it is missing. They will want you to pay for a replacement, probably claiming you failed to make your home a secure environment.

3. Pets Can Attack Visitors

Of course, your dog, cat, or other pet is nice enough when you are around. But, how about when alone? You never know, right?

Animals have been known to take a bite out of postal carriers, delivery drivers, and maintenance personnel. When these attacks happen, the owner usually has to foot the bill.

Get Fully Insured Today

Litigation can be expensive. You probably cannot afford a lawsuit alone.

Purchase a comprehensive home insurance policy, and perhaps even some umbrella coverage, because this security is a virtual necessity in Orange Park, FL.

Be sure to ask the experienced staff at First Florida Underwriters Inc about the appropriate policy for your situation.