We all know home insurance in the Tampa and Fort Lauderdale, FL areas is essential and often even required by your lender, but finding the right insurance can be a challenge as many don’t know what to ask a Coastal Wealth Insurance, LLC agent to make sure they can find the right insurance policy for you.
What does this policy cover and what doesn’t cover?
Homeowners insurance covers a vast area of potential claims, but not all of them are covered by a policy. This is why it is crucial to ask your agent what is covered and, maybe even more importantly, what is not covered in the policy.
What are the limits protecting my stuff?
It is a good idea to make an inventory of the things in your home, from furniture to artwork, to make sure that you come up with an accurate value of the contents of your home before you decide on a policy. Ask your agent if the value of your possessions is covered by the standard policy or if you need extra riders to cover the full value.
How much does it cost to replace my house?
Nobody wants to think about the destruction of their home, but accidents do happen. A kitchen fire can spread through the home and render it unrecoverable or a tornado can destroy your home in the event of a storm. Our agent will estimate how much it costs to rebuild your home, but it is up to you to make sure that these assumptions are correct.
How reliable is the company you are suggesting?
Many agents represent many insurance carriers, and often the lowest priced ones are not the most reliable. The last thing you need after a catastrophic event is to argue with your insurance company or learn that your carrier is going out of business.
If you are in need of home insurance coverage in Tampa or Fort Lauderdale, FL, contact Coastal Wealth Insurance, LLC for more information.