Protection for one of your biggest investments

Your home isn’t just where you live—it could be the most valuable thing you own (it’s up there, at least). That’s why it’s important to make sure you have the right coverage. Here are three important things to consider when you go to protect it with homeowners insurance:


  1. Have you made any improvements to your property? We do recommend that you contact your agent to complete an annual policy review to help determine if any updates are needed to your insurance policy. If you have recently completed home renovations, added a  solar system/panels, added a pool, added a fence, or have made any major purchases, please contact your agent to ensure you carry the proper coverage for these exposures.


  1. Flooding isn’t covered. You may also need to consider the purchase of flood insurance. Your homeowner’s insurance policy does not include coverage for damage resulting from flood even if hurricane winds and rain caused the flood to occur. Without separate flood insurance coverage, you may have uncovered losses caused by flood. Please discuss the need to purchase separate flood insurance coverage with your insurance agent.


  1. If you have expensive items such as jewelry or artwork, you need extra coverage. Homeowners policies have limits on jewelry, artwork, antiques, and firearms. To ensure your valuables are fully covered, you might need scheduled coverage or a separate policy, which includes higher limits for specific pieces, with broader causes of loss. Please contact your agent to ensure you carry the proper coverage for these items.


Make sure your biggest investment is protected. Call us at 239-482-3040 today for a check-up on your home coverage. 


*Misstatements or omissions of relevant information by the client can lead to price variation or even declination or rescission of coverage. Note, information requested to provide a quote or work on coverage will not be shared with carriers or with any other entity without the applicant’s permission. Requesting coverage does not guarantee coverage can be provided. Coverage can begin only with specific statement by a licensed member of the agency’s staff. None of the information provided in the website is a guarantee that insurance will be provided or that the agency is obligated to procure insurance for the website visitor.