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Leigh Insurance Agency of St Augustine Blog

Homeowners Insurance

2/26/2019

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Leigh Insurance Agency's Newsletter

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Homeowners Insurance FAQs


 Read below for answers to the most Frequently Asked Questions about Homeowners Insurance.
If you have any other questions, feel free to email [email protected] or call (904)826-0799!


Q: What is Homeowners Insurance? 
A: Homeowners Insurance provides coverage for your home and compensates you in the event of a loss.  If your home is burglarized or is partially or totally destroyed by a cause that is covered by your policy, homeowners insurance will help you replace your belongings, repair your home, or even rebuild.

Q: How Does Homeowners Insurance Work? 
A: When you purchase homeowners insurance, you are buying a safety net for your home. In the event of a loss, it could cost hundreds, if not thousands to repair or rebuild. Without home insurance, that money has to come out of your pocket. 
The compensation benefits that you would receive depend on several factors, including:
  1. The limits set on your policy, both for your structural property and your belongings.
  2. The deductible amount you pay before your coverage kicks in.
  3. Whether you have chosen coverage for the actual cash value (depreciated) or the replacement value of your home and belongings.

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Q: Is Homeowners Insurance Required? 
A:
The state of Florida does not require homeowners insurance, but your mortgage lender typically will require coverage in order to provide a home loan. Even if you own your home outright and you are not required to buy homeowners insurance, it’s still a good idea to protect your investment with an insurance policy. With the insurance policy, you will be able to get the financial compensation you need to repair or rebuild after a loss. 
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St Augustine, FL 32084
(904) 826-0799​
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