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Florida Home Owner Insurance

Home Insurance Coverage

About 80 percent of homeowners policies are based on one of seven standard forms. All home insurance coverage, whether it be Florida home owner insurance, or other, focuses on two important areas: property and liability. Remember that you have to have protection against the proverbial thief in the night and the person who slips on your sidewalk by day.

What this means in insurance terms is that your homeowners policy has two basic components. You get home insurance coverage for your structures and possessions-property insurance-and it furnishes protection against personal liability. Personal liability, as its name implies, means you are legally obligated to pay money to another person for actions caused by you, your family, or your property. That liability extends to medical payments to others for injuries caused by you or your family.

Remember that policies vary but homeowners insurance usually covers damage to both structures and personal property caused by:

• Fire or lightning
  


• Windstorm or hail
  


• Explosions
  


• Riot or civil commotion
  


• Aircraft
  


• Vehicles
  


• Smoke
  


• Theft or vandalism (sometimes called malicious mischief)
  


• Falling objects
  


• Weight of ice, snow or sleet
  


• Freezing of a plumbing, heating, air conditioning or other such household system

In fact, your coverage is most likely even more comprehensive than the above list. Many homeowners policies cover damage by "just about everything," unless the coverage is specifically excluded. In these cases, it is even more important to understand what is not covered.