Homeowners Insurance in Cutler Bay, Florida

Your home is your castle. Naturally, you want to protect it and all of your belongings inside. This means more than just locking the doors at night and tending to your yard. Protection for your home comes in the form of homeowners insurance in Cutler Bay, Florida, where a policy that offers a financial safety net should your home or belongings face a disaster. Although most mortgage lenders will require you to purchase a home insurance policy to secure your loan, taking out coverage makes financial sense and gives you the peace of mind you deserve.

STANDARD HOME INSURANCE COVERAGE

• Your property– When a home suffers from a peril, your insurance policy will step in to help rebuild your property and replace your belongings. Common perils that are included in coverage are fire, theft, hail, windstorms, and more.
• Personal Property– Personal property coverage will help to rebuild and repair your belongings when they are damaged or lost because of fire, theft, storms, and more. This means that your clothing, furniture, electronics, and equipment are covered. Keep in mind that your high-value items may need separate coverage.
• Personal Liability-Your liability portion of your homeowners insurance provides bodily injury and property damage coverage. This means if a guest is injured on your property or their belongings get damaged and you are at fault, your coverage will step in to help cover associated expenses.
• Loss of use: If your home cannot be lived in after a disaster, your policy can provide benefits to help you with the additional living expenses of being away from home.

Most homeowners insurance policies are broad and comprehensive, suiting most property owners. However, every policy has its limits. That is why at UniVista Insurance we take the time to get to know your needs so that we can craft the right home insurance policy. Our team is ready to find you quality homeowners insurance in Cutler Bay, Florida.