Part of living in Florida is dealing with the occasional storm and even hurricane. If you aren’t originally from this area, a time like this can be truly terrifying. At Beattie Development, we want you to live in comfort. Our desire for you to live the Southwest Florida lifestyle you have always dreamed of doesn’t end at helping you find a house, though. Once you select or build your home, you need to actually move in and live there! Major damage could hit your house and the valuables inside. Then, what will you do? That answer to that depends greatly on the type of homeowners insurance you have.
To truly enjoy your home, you need to know it is safe. That means understanding home insurance for Florida. Typical home insurance coverage can include the physical structure of your home, other structures on the property like a garage or shed, personal property, personal liability, and living expenses in the event of a covered loss. If your home is destroyed in Hurricane Irma, you probably won’t being going to work anytime soon, which is something homeowners often don’t think about. That is why you need broad coverage, and an insurance group to explain it all to you.
The main thing you need to understand is that many, if not most, homeowner’s insurance plans do not cover floods. You need separate flood insurance to cover rising waters. Do not think just because you don’t live on the water you don’t need it. According to FEMA, almost 25% of all flood insurance claims come from areas with low-to moderate-flood risk. Of course, for Irma it is too late to add this type of coverage but you should certainly consider adding it for next time. The thing about Florida is… we will never go long before another risky weather situation arises.
Whatever type of insurance you have, now is the time to secure valuables and take photographs of everything in case you need to make a claim. Florida weather is some of the best in the nation- except for when it is not. Don’t make the mistake of finding your perfect house and not insuring it properly. Reach out to Beattie Development today at 239-994-6187 or firstname.lastname@example.org to get more information on how to live fabulously and safely in Southwest Florida.