Home Insurance

Your Florida home is too valuable to go without insurance protection. If you have a mortgage on your home, home coverage will likely be a requirement. At Hawk Insurance Group, we can guide you through the home insurance process to ensure you're protected against any eventuality. Here's what you should know about home insurance in Florida.

Types of Protection

Standard homeowner's policies offer the following basic protection for your home:

• Dwelling
• Additional Structures
• Property
• Liability

Dwelling coverage protects the structure of your home - your foundation, roof, walls, and floors - and attached structures from such perils as winter storms, hail, wind, theft, and vandalism. If your home suffers damage due to a covered peril, this coverage will help cover repair costs. If your home is destroyed in a covered peril, dwelling insurance will help cover its replacement cost, up to the limits of your policy. For optimal protection, you should insure your home for its full value, so you'll have the funds to rebuild in the event of a disaster. Additional structures insurance protects structures on your property that aren't attached to your home.

Property coverage protects your belongings - your clothing, furniture, appliances, electronics, and other personal items. If your valuables are stolen or damaged in a disaster, property insurance will help cover their repair or replacement cost.

Liability coverage protects you against liability claims that may arise if someone has an accident on your property. If you host holiday events or family gatherings, there's a greater risk of accidents. A visitor can trip and fall down the stairs or slip on your driveway, requiring a trip to the hospital. Liability insurance covers the medical costs of accidental injuries, so you don't have to.

Personalized Coverage

At Hawk Insurance Group, you can personalize your home coverage to suit your unique protection needs. Contact us today for all your home insurance needs.