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Homeowner Insurance

from Gilliland Insurance Group

Homeowner Insurance

Have you ever wondered what you would do if something happened to your home and all your belongings in it? A fire or a major storm could cause serious damage or even render you homeless.

Fortunately, there is homeowner insurance to protect your greatest asset. You may not know that this type of insurance can also protect renters, whose furnishings, electronics, clothing, and other personal items are also valuable and costly to replace out of pocket.

If something were to happen to your home and belongings, your homeowner policy prevents you from having to repair, rebuild, or replace them with your own money. Few people have savings like that, so a homeowner insurance policy can be a lifesaver.

A typical homeowner policy covers you for a number of scenarios, such as:

  • Theft of property
  • Vandalism of your home or belongings
  • Burst pipe that causes water damage (providing maintenance has been kept up)
  • A legal judgment against you when someone has an accident on your property
  • Property damage by smoke
  • Hail damage or damage from falling objects

Many homeowner policies also cover the cost of having to live elsewhere if your residence is made uninhabitable or if you have to vacate during reconstruction. In many cases, this assistance can be for up to two years from the start of your claim.

You can easily add extra coverage for special items, including:

  • Jewelry
  • Artworks
  • Antiques
  • Collectibles

Taking an inventory of your home and belongings can help make sure everything is covered and help determine how much insurance you need. It can also be helpful if you ever need to file an insurance claim.

An umbrella policy may also be a wise addition for extra liability coverage, especially for dog owners or people who rent part of where they live.

If you’re interested in homeowner insurance in the St. Augustine, Florida area, reach out to Gilliland Insurance Group, and we’ll walk you through the entire process. We welcome the opportunity to educate each and every client about their insurance options, and we want to make sure we help you find the exact policy you need.

As independent agents, we have access to a wide array of insurance products for you. Don’t let another day pass without the vital homeowner insurance you need. Call us at 904-824-9877 today.