HOMEOWNERS INSURANCE IN CLEWISTON Phone No. 863-777-4966 Website www.johnperryinsurance.com
INTRODUCTION Homeowners insurance is a crucial type of insurance coverage that protects homeowners in Clewiston, Florida, from financial losses caused by various perils. This insurance policy offers financial security by providing coverage for property damage, personal liability, and additional living expenses in the event of a covered loss. If you own a home in Clewiston, it's essential to understand the importance of homeowners insurance and how it can protect your investment.
Optional Coverages: Flood Insurance: Since Clewiston is located in a coastal region, it is susceptible to flooding. Standard homeowners insurance policies usually do not cover flood damage. Therefore, it is recommended to consider purchasing a separate flood insurance policy through the National Flood Insurance Program (NFIP) or private insurers. Windstorm Insurance: Florida is prone to severe windstorms, including hurricanes. While standard homeowners insurance policies cover wind damage, there might be specific deductibles or limitations. It's important to review your policy and consider additional windstorm coverage if needed. COVERAGE Dwelling Coverage: This covers the structure of your home, including its foundation, walls, roof, and other attached structures like garages or decks. Dwelling coverage protects against perils such as fire, vandalism, lightning, and windstorms. Personal Property Coverage: This covers your belongings within the home, such as furniture, appliances, electronics, and clothing. Personal property coverage can protect against losses caused by theft, fire, or other covered events. It's important to review policy limits to ensure adequate coverage for your possessions. Liability Coverage: This protects you if someone gets injured on your property and holds you responsible for their medical expenses or other damages. Liability coverage can also provide legal defense if you are sued for negligence. It's crucial to have sufficient liability coverage to protect your assets in case of a lawsuit.