What Type of Homeowner’s Insurance Should I Get

First Class Enterprise understands that owning a home means exposing yourself to certain risks. Accidents and meteorological phenomena can damage your home substantially, and sometimes, you can’t control them. Even if you take precautions, sometimes it’s not enough. That’s where a homeowner’s insurance policy comes into play. It safeguards your property’s safety by covering any repair expenses incurred during such an event.

If the damage incurred was outside of your control and you couldn’t prevent it, the insurance company will cover all your repair expenses. But what homeowner’s insurance should you get? They’re not all the same, after all. Some cover only certain perils while others are all-encompassing. First Class Enterprise will help you decide upon a fitting homeowner’s insurance for your home!

Call us at 305-433-5686 or use our contact form for more information!

What Are the Types of Homeowner’s Insurance I Should Know About?

When choosing a type of homeowner’s insurance for your home, you can choose between several types. Depending on the location of your property and the risk category associated with that region, some insurance policies are better than others. For instance, if you live in an area where there are many wildfires, a fire damage insurance policy makes sense. But water damage insurance doesn’t make sense for that same reason.

Below, you’ll find all the types of homeowner’s insurance policies:

  • Fire damage insurance
  • Water damage insurance
  • Mold damage insurance
  • Theft & vandalism insurance
  • Wind damage insurance
  • Hurricane damage insurance
  • Flood damage insurance
  • Fallen object damage insurance
  • Business interruption insurance
  • Hail damage insurance

Homeowner’s insurance policies differ based on the extent of coverage, as well. Some insurance policies cover multiple perils while others are singular. Of course, more encompassing policies are also more expensive than singular ones. Knowing which insurance to choose for your home is anything but easy.

That’s where First Class Enterprise becomes a valuable asset to you. We can explain all the factors that go into homeowner’s insurance policies, whether they’re worth it for you, and what policy you should choose. Our insurance agent, Jean Sorel, has been working in this field for over 20 years. He knows every location in Florida and what types of home damage they’re exposed to.

With his help, you won’t have to pay a dime extra for your home insurance policy. We also have access to a wide network of insurance contractors and, in fact, Jean Sorel is licensed to present insurance offers to you. The advantage of working with us rather than going to an insurance company is that we don’t need to sell you an insurance policy, not necessarily.

We want to help you make a good choice for your home. If that means getting a homeowner’s insurance from us, so be it!

What Should I Expect If I Hire You?

If you decide to hire us, you should expect excellent communication and honesty. We want our clients to be thoroughly informed about their insurance decisions before making one. Especially when that decision concerns something as important as the safety of your home and family. Schedule an appointment with Jean Sorel and you’ll learn more about:

  • Monthly premiums
  • Covered perils
  • Exclusions
  • Deductibles
  • ACV vs. RCV

Many of our clients were completely unaware of the specifics of homeowner’s insurance policies. But this doesn’t mean they didn’t benefit from a great insurance policy in the end. We go into as many details as possible so that you understand your options. When it comes to homeowner’s insurance policies, the more you know, the better.

Call us at 305-433-5686 or use our contact form for more information. You can also schedule an appointment with Jean Sorel for additional assistance!

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