Homeowners Insurance in Fort Myers, FL
Home insurance, or homeowners insurance, is crucial coverage for homeowners. Home-related accidents can be costly and occur without notice. Home insurance can be an excellent way to reduce out-of-pocket costs following a covered incident. Selecting the right coverage may be complex, and Wilcox Family Insurance is here to help you navigate the selection process.
What Does Home Insurance Cover?
Homeowners insurance tends to vary among policyholders. Some common coverage options homeowners elect to include in policies tend to be:
- Dwelling coverage
- Other structures coverage
- Personal property coverage
- Personal liability coverage
- Additional living expenses coverage
Policies may be tailored to include additional coverage options. Our agency can help you learn about selecting a policy that meets your desired insurance needs.
How Much Home Insurance Do I Need?
Although it is not required by law in Florida, some lenders may require you to have a policy if you take out a mortgage on your home. It is generally recommended to have a policy that covers most, if not all, of your home’s total replacement value. You may also want to consider the value of your personal property and how much liability insurance would be necessary to protect your assets financially in a liability lawsuit.
Covering property damage, personal liability or additional living expenses without a home insurance policy can be challenging. The Wilcox Family Insurance agents can help you learn about home insurance coverage requirements and recommendations.
How Much Does Home Insurance Cost?
Coverage rates tend to vary considerably among policyholders. Factors such as your insurance claims history, home location and age of the home may be used by your insurance carrier to determine your premiums. A homeowner who has filed multiple claims in the past will likely pay more for coverage than a homeowner who has never filed an insurance claim.
Where Do I Get Covered?
If you are a homeowner near Fort Myers, Florida, the experienced Wilcox Family Insurance agents can help you learn about home insurance to help to decide on the right policy for you and your house.
For more coverage information, contact our agency today at 239-337-7755.