Home insurance, or homeowners insurance, is an essential policy for homeowners. The right coverage can limit out-of-pocket costs following a covered accident, such as a fire or break-in. Selecting a policy may be challenging, and the agents at Five County Insurance are here to help you learn more about coverage. 

What Does Home Insurance Cover? 

 

Policies vary among homeowners. However, standard home insurance tends to include the following coverage options: 

• Coverage for the home’s structure can help with damage or repair costs following an accident, such as weather damage or a disaster listed in your policy.
• Coverage for personal belongings can help insure you against expenses if your belongings, such as furniture or jewelry, are stolen or damaged in a home-related incident.
• Liability protection can help cover accidents such as bodily injuries or property damage caused by the policyholder.
• Additional living expenses can help cover temporary living arrangements if your home becomes uninhabitable due to an insured accident. 

Contact our agency to learn more about customizing your insurance policy. 

How Much Home Insurance Do I Need? 

 

Home insurance is not technically required in Florida. But it may be difficult to recover financially from accidents and other instances without insurance. When purchasing a policy, it’s essential to consider coverage that equals most of your home’s total replacement value. For more information on homeowners insurance requirements, reach out to Five County Insurance. 

How Much Is Home Insurance? 

 

Homeowners insurance rates tend to vary significantly among policyholders. Your insurance provider will likely use factors such as your location and claims history to determine how much to charge you for a policy. A homeowner in a highly populated city will pay more for coverage than a homeowner in a rural, less populated area. 

How Do I Get Covered? 

 

If you own a home near Fort Myers, Florida, the dedicated Five County Insurance agents are here to help you learn more about homeowners insurance so you can decide on a policy for your situation. 

Call our agency today at 239-939-1400 for additional information on policies.