Insurance for Homeowners Throughout Florida

A home is not only an investment but also a safe spot for you and your family to grow. It’s important to protect your home with the proper insurance so your family can live without worrying that bad weather will put you in debt. As a Floridian, you may already be well aware of the threat that hurricanes and other strong storms may pose to your home.

The agents at Nolan Family Insurance Agency are experienced and dedicated to matching you with a policy that suits your home and your family. We’ve helped many other Punta Gorda residents and those in surrounding areas find the Florida home insurance they need. We will help you compare rates and policies so you can find the best policy.

What Does Home Insurance Cover?
Different areas of home insurance are designed to cover various dangers that your family and your home may face. The main coverages available under a basic home insurance policy include:

Dwelling Coverage: This provides compensation if the home’s physical structure is damaged due to fire, wind, hail, lightning, smoke or vandalism.
Personal Belongings Coverage: This provides compensation if your physical belongings are lost or damaged due to fire, smoke, lightning, theft or vandalism.
Liability: This covers bodily injury and property damage that may occur on your home’s property. If someone falls down the stairs, for example, liability insurance can help cover their medical bills and protect you from a lawsuit regarding the injury.
Additional Living Expenses: This coverage—known as ALE—helps with the costs related to temporarily moving if your home is rendered uninhabitable by a disaster.

Additional Coverages to Consider
While home insurance policies cover many risks, a basic policy won’t cover everything. You may need additional coverage to protect your home and family completely. Additional coverages may include:

Policy Floaters: Home insurance policy floaters, sometimes known as policy endorsements, can be added to your policy to cover items and risks that are normally excluded. For example, many home insurance policies have limited coverage for expensive items—such as jewelry, furs and art. Policy floaters can help cover these items.
Flood Insurance: Home insurance policies also exclude damage caused by flooding. However, you can purchase a flood insurance policy to cover damages to your home and belongings caused by natural flooding.
Umbrella Liability Insurance: This insurance fills in gaps left by your other liability policies.

Protect Your Home Today
It is never too early to protect your home. If you live in or near Punta Gorda, Florida, Connect with an agent from Nolan Family Insurance Agency at (941) 639-1122 today or fill out an online quote form to get started.