Homeowners Insurance in Cape Coral, FL and Spring, TX

When disaster strikes your home through fire, theft or natural calamities, repairing your home or replacing your belongings can be financially devastating. A homeowners insurance policy may provide crucial funds after such incidents, helping you recover as quickly as possible.

What Does Homeowners Insurance Cover?

Homeowners insurance may cover numerous perils, which are certain risks or events that can cause damage to your home or belongings. A policy may only cover a list of specific perils, or it may cover anything except listed exclusions. It’s important to review your policy and understand how coverage is determined.

A standard homeowners policy may cover the following perils:

• Fire or lightning

• Windstorm or hail

• Theft

• Explosions

• Falling objects

• Smoke

• Riot or civil commotion

• Vandalism or malicious mischief

• Weight of ice, snow or sleet

Standard policies often include four key types of coverage:

• Dwelling coverage may cover the home’s structure from events such as fire, hail or vandalism.

• Personal property coverage may pay for the repair or replacement costs of your belongings, including books, clothes, electronics and furniture, if damaged by covered events.

• Liability coverage may cover legal and medical expenses if someone got injured on your property or if you damaged someone else’s property.

• Additional living expenses coverage may pay for temporary living costs, such as hotel and dining expenses, if your home becomes uninhabitable due to a covered event.

How Much Is Coverage?

Rates of home insurance vary depending on various factors. Typically, insurance companies consider the following to calculate your premium:

• Location

• Age of the home

• Building materials used

• Proximity to risks (like fire stations or flood zones)

• Coverage limits

• Deductible amount

Discover Your Best Home Insurance Options

Insurance of America and Financial Services LLC offers customized coverage that won’t break the bank. Contact us today to find the ideal policy for you.