You want to do everything you can to protect your home in Ponte Vedra Beach. This means making sure to take the time to purchase quality homeowners insurance. While standard insurance policies contain a lot of what you need to have financial protection, there are add-ons that you will want as well.

Understanding the threats of living in South Florida is important when deciding upon the various add-ons that are cost-effective. Below are several that you can add to your policy without significantly increasing your premiums.

FLOOD COVERAGE

FEMA will determine whether you are in a flood zone and whether flood insurance is required or not. Even if it is not a requirement, it can be an important add-on so that you have the coverage when and where you needed. This way, if water starts to enter your home, you can file a claim so that the problem is taken care of quickly and efficiently.

HURRICANE/HIGH WIND COVERAGE

A lot is covered on your standard homeowner’s insurance in Ponte Vedra Beach, but hurricane and high winds may not be. If you lose a significant number of roofing shingles because of a storm, you want to make sure that you are able to file a claim and have it accepted. The same goes for if a tree blows in your window or anything else.

LIABILITY COVERAGE

Liability is going to be something that’s already included within your home insurance. The problem is that it may not cover all issues, or the dollar amount may not be enough to provide you with absolute financial protection. You are liable as the homeowner for any injuries that may take place. This means that the salesperson slips on your driveway or someone at a birthday party inside your home falls down, they could potentially sue you. Taking a look at all of the liability situations and ensuring that you have coverage for it is a must so that you don’t encounter an issue where you would have to pay completely out of pocket.

Various other forms of coverage exist as well. It may be a good idea to talk with an independent insurance agent who specializes in homeowners insurance so that you can learn more about the ways to provide financial protection to you and your home.

In the end, it is important to read the fine print on any home insurance policy that you purchase. The reason is because not all policies will provide the same level of coverage. If you don’t have the coverage where you want it, you can find various home insurance add-ons that may not be very expensive. It can actually be well worth it to invest a little bit more on your premium so that you can enjoy peace of mind knowing that you can always file a claim when something happens.