Comparing and Buying the Best Homeowners Insurance Policies in Weston, Florida

When your home is accidentally damaged or destroyed, you will want your claim settled by an insurance company that comprehends the importance of the place you call home.

Moran Financial Solutions can help you find the best Florida homeowners insurance that will best meet the unique needs of your Weston home and provide the most valuable combination of personalized coverage, competitive pricing, and quality service.

Regardless of whether you live in Weston or any other neighborhood in Florida, homeowners insurance is one of the most vital insurance policies you could ever own.

It is also important to know that homeowners’ insurance policies are not created equal. Different insurance companies sell different endorsements and riders, levels of coverage, and have different conditions and limitations.

Weston Homeowners Insurance

Whether you are using the home as your personal space or renting it out, insuring the property helps protect you financially if you suffer unforeseen losses due to fire, vandalism, theft, or other covered events. Some insurance policies cover you if someone is injured while on your property and wins a legal compensation judgment against you.

Homeowners insurance policies in Weston differ in terms of which coverages you choose, which losses are covered, and what type of residence you own. You pick whichever policy is best for you, whether it’s a comprehensive policy that covers a wide scope of losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses.

Common Homeowners Insurance Coverages in Weston

Our team is experienced and well-poised to handle provide any insurance solution that you need. These are some most popular coverages you typically see on a policy:

Dwelling

Buying a Weston Homeowner's Insurance policy from a reliable insurance provider protects your home from damaging accidents.

A Dwelling policy covers the actual structure (main house). The cost to replace your home may fluctuate based on the cost of raw material and labor, and of course, supply and demand.

We’ll track a replacement cost analysis on your property to see how much it would actually cost if the worst happened, and you had to rebuild.

Note: if you are shopping for a homeowner’s insurance policy for a home that is an un-occupied or rental property, you cannot rely on traditional homeowners insurance. You need a “specialty dwelling” insurance policy, which we can also help you with.

Personal Property

This policy will cover all of your personal valuables like clothing, electronics, furniture, and appliances. Typically, anything that would fall out of your house if you turned it upside down and shook out the contents.

Other Structures

This insurance policy covers any structure on your home that is not permanently attached to your property, like fencing, sidewalks, driveways, and detached buildings like sheds and garages. Typically, this coverage is 10% of whatever your Dwelling limit is but can be raised if you need more coverage.

Loss of Use

A loss of Use policy covers your living bills if you need to live somewhere else temporarily because your primary home is uninhabitable due to incurred losses.

Family/Personal Liability

Personal Liability Coverage applies if one is injured or their property is damaged in your home. When choosing your liability coverage limits, factor in things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your personal assets in case you are sued. In other situations, an Umbrella policy may be necessary to provide extra coverage.

Medical Expense

This covers medical bills for guests if they are injured while on your property. However, this policy does not cover health care costs for yourself or other members of your house.

Scheduled Personal Property

There are some situations where you might want special forms of coverage for valuables or collectibles like jewelry, guns, rugs, etc. In that case, a Scheduled Personal Property cover will work for you.

Get Started With a Free Homeowners Quote

Every home is unique and thus requires a carefully crafted policy. If you’d like us to review your current insurance policy and provide you with no obligation quotes,call our office to get the process started. Either way, we will make the process super simple for you

References and Resources

• Types and Relevance of Florida Homeowners Insurance