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Home Insurance from James Harmon Insurance Agency
Whether it’s your first home insurance policy or an update for an already existing policy, it is vital to understand several home insurance basics. By getting familiar with various types of coverage, you will make a better decision to safeguard your home and belongings that you and your family have accumulated. At James Harmon Insurance Agency in Gainesville, FL, the following coverages are available to all Florida residents.
This policy offers you protection for your home structures which include your house walls, floors, ceilings, and built-in appliances. It also extends to any structures attached or detached from your house such as sheds, garage, fences, and stores.
It pays for any loss or damages arising from perils specified in the policy such as fires, storms, theft, or vandalism. In case of a total loss, it can help you rebuild your entire home.
This coverage policy protects your personal belongings and items such as furniture, clothes, and appliances that are in your home. These items are covered against incidents specified in the policy and may include damage or loss caused by fire, theft, vandalism, and any other accidental risk. It pays the value of the items up to the limit of your policy.
This policy mainly consists of property damage and bodily injury coverage. It covers any cost that may arise from an injury sustained by a guest while in your home as well as loss or damage to their belongings. The costs covered include medical fees, compensation costs, and legal fees in case the guest decides to sue you for damages they suffer while in your home.
It’s possible to get a customized policy that has additional coverage options not offered in a standard homeowner insurance plan. Your dwelling coverage can be customized to protect your structures from natural calamities such as floods and earthquakes. Regardless of where you are in Florida, you can get an online quote or visit James Harmon Insurance Agency in Gainesville, FL for additional information. Our agents are ready to help you get started on a policy.